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3 tháng 10, 2007

What is life insurance?

Life insurance is protection against financial loss resulting from death. It is an insurance company's promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums.

It's never too late or too early to
think about protecting your family's financial future.

Life insurance is protection against financial loss resulting from death. It is an insurance company's promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums.

* A policy that will pay a specified sum to beneficiaries upon the death of the insured
* Insurance in which the risk insured against is the death of a particular person, the insured, upon whose death while the policy is in force, the insurance company agrees to pay a stated sum or income to the beneficiary
* Insurance on human lives including endowment benefits, additional benefits in event of death or dismemberment by accident or accidental means, additional benefits for disability, and annuities
* Insurance providing payment of a specified sum of money to a beneficiary when the insured dies
* Insurance providing for payment of a specified amount on the insured's death, either to his or her estate or to a designated beneficiary; or in the case of an endowment policy, to the policy holder at a specified date
* The amount the surviving party will receive in the event of death
* Life insurance, sometimes referred to as life assurance, provides for a payment of a sum of money upon the death of the insured. In addition, life insurance can be used as a means of investment or saving
* An alternative phrase used to describe Life Assurance (see Assurance described above)
* insurance where a policyholder's dependents receive a cash lump sum if he or she dies
* Life insurance for which the premium remains the same from year to year
* Any form of life insurance except term; generally insurance that builds up a cash value, such as whole life

Why do I need life insurance?

Although you may not think about it, your ability to earn income is a significant asset and life insurance helps replace lost income in the event of your premature death. Here are some reasons people buy life insurance.

The death benefit may be used:

* To replace income the family would need to maintain their standard of living after the death of a wage earner.
* To pay off a mortgage loan and other personal and business debts or to create a rent fund.
* To create a fund for children's education.
* To pay final expenses, such as funeral costs and taxes.
* To create a family emergency fund or a fund for a family member with special needs.

How much life insurance do I need?

The State Farm Life Insurance Needs Calculator provides a quick way to get an estimate of the cash needs you may have at death. Cash needs that exceed your available assets can be covered by life insurance.

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