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留学生保险学论文——寿险需求分析 [4]

论文作者:英语论文论文属性:作业 Assignment登出时间:2014-12-24编辑:yangcheng点击率:19429

论文字数:6617论文编号:org201411122345315827语种:英语 English地区:美国价格:免费论文

关键词:留学生论文保险学Economics EssayInsurance

摘要:本文是一篇关于寿险需求分析的留学生保险学论文,在本文中,被保险人定期支付保费给保险公司,一旦政策被接受并且代替这一点,保险承诺在保险人死亡时或满一届定时间内支付一笔固定数额给保险人,以较早者为准。支付终身保险是一定的,但对于其保险采取的事件也不是很确定。

y how much life insurance you need... actually your life insurance needs often depend on a number of factors, including whether you're married, the size of your family, the nature of your financial obligations, your career stage and your goals. It’s how much investment capital your family will need at the time of your death. This excellent question is to which there are as many answers as there are people to ask. Every advisor, financial columnist and relative has a formula that they consider the best. There are a number of approaches you can use to figure out how much insurance you should have.
 
This section is designed to present the various need analysis methods used, as well as the pros and cons of each method. As these issues deal with how to value a life, it is indeed a very complex proposition. The method that makes the most sense to you is probably the one that may work the best for you. No method is perfect, as you are trying to hit a moving target. Life brings many changes and your needs will change with them. The more assumptions you make, the more complex you will make your planning and the more chances there are that something will not work as planned. This does not mean that you should only use simplest methods – it is to give you a concept of why it is important to actively participate in all of your planning, fully understand it, and constantly monitor it. After all, it is your money. Remarkably, the simplest formulas can often be the best. Another thought to keep in mind is that as your other assets grow, such as retirement plans and investments, your need for life insurance will decrease.
 
What determines your life insurance need ?
 
Methods of calculating life insurance need
 
Insurance mistakes
 
What determines your life insurance need ?
 
Life Stages and Circumstances
 
When determining your life insurance need, you should first consider your life stage and circumstances. Marital status, number of dependents, size and nature of financial obligations, your career stage, and your intentions to pass on your property are all factors to consider. Your need for life insurance changes as the circumstances of your life change.
 
Starting Out
 
In the “Starting Out” stage of life, you may be just beginning your career or family. You may not have children or other dependents at this stage, but that doesn’t mean you have no obligations. For instances, if you paid for your college education with student loans, you likely had a cosigner for your loan–may be your parents or a grandparent. The same may be true of your car loan. If you were to die before the loan is paid, your cosigner would be obligated to pay the debt. Under law, a cosigner is responsible for full payment of a debt in the event of default. Death doesn’t erase the debt obligation.
 
single Adult
 
A growing percentage of the population now falls into the single adult demographic group. This group covers a broad spectrum of ages, lifestyles, and obligations.
 
Family Obligations—Parents
 
Although you may not have a spouse, your death could have a serious financial impact on other family members. If, like many adults, you are supporting your parents (either financially or with care), your death could have a major impact论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。
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