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留学生保险学论文——寿险需求分析 [5]

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:19570

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。

, both emotionally and financially. They would not only lose the support you have been providing to them, but they would also need to come up with the money for your final expenses.
 
Family Obligations—Children
 
If you are a single parent, the primary financial support for your children would die with you. If you are lucky, you may have family members who would step in and help your children if you died. If you are even luckier, they will be able to provide your children with the education and lifestyle you had hoped for them to have. Your need for life insurance as a single parent is even greater than that of a dual-parent, dual-income household, which would still have one income if one parent died. Life insurance is a cost-effective way to make sure that your children are protected financially should anything happen to you.
 
Debt Obligations
 
In this stage of life, you may still be paying for or even still accumulated education loans. You may have purchased a house or condo with a cosigner. If you died, your cosigner would be legally liable for the payments on the debt.
 
Protect Your Insurability
 
Another reason to buy life insurance at this stage of your life is to protect your future insurability. Once you buy a permanent, cash value life insurance policy, it remains in effect for your entire life (assuming the premiums are paid), even if your health changes. If you were to experience a serious change in health, you might not be able to buy additional insurance coverage, but you would still have the permanent coverage you already own.
 
Dual-Income Couple or Family
 
If you and your spouse both earn an income, it is possible that if one of you died, the other may be able to cope financially on the remaining income. If there are mortgages, joint credit cards or other debt, or children in the picture, the loss of one income could be much more difficult to overcome. The more people who depend on your income while you are alive, the more life insurance you should own. If you died today with insufficient or no insurance, your mate could be forced to give up the residence or lifestyle for which you have both worked. When there are children involved, the loss of one breadwinner could mean a setback in the daily way of life, not to mention any plans for private school or college.
 
Parent of Grown Children
 
Just because your children have grown up and left the nest doesn’t mean you have no need for life insurance. you may have spent your entire adult life building an estate that you intend to pass on to your children, grandchildren, or favorite charity. You can use life insurance to ensure that the bulk of your estate passes to your heirs or designated charitable organization subject to certain tax advantages.
 
Part of Overall Financial Planning
 
Determining your life insurance needs should not be done in isolation. Instead, it should be looked at as part of your overall financial plan, with consideration given to your goals for savings and retirement, as well as tax and estate planning. As your life changes, your financial goals may change, as well as your need for life insurance, making it important to also periodically review your coverage.
 
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