Wanneer heb je nodig om Life Insurance kopen?

Simpel gezegd, levensverzekeringen moet je als iemand anders is afhankelijk van uw inkomen. Meestal betekent dit dat uw kinderen, maar het kan ook worden gebruikt om schulden af ​​te betalen voor uw echtgenoot of ouders.

Wanneer heb je nodig om Life Insurance kopen?

Levensverzekeringen is meestal niet op de lijst van financiële prioriteiten een twintiger’s.

En dat is goed. Kan zijn. 

Als u graag enkele en kinderloos bent, kunt u waarschijnlijk deze post (voor nu) over te slaan. Maar als het huwelijk of een familie is aan de horizon, lees dan verder.

Hoewel leeftijd een rol kunnen spelen in hoeveel levensverzekering u nodig hebt, de beslissing om te kopen levensverzekeringen heeft niets te maken met de leeftijd. Dus wanneer ga je het leven verzekering nodig? Hier is de eenvoudige regel:

Je moet om levensverzekeringen te kopen wanneer iemand anders is afhankelijk van uw inkomen.

Hier zijn enkele algemene voorbeelden:

  • Als je 25 bent met een vrouw, die verblijft huis met een pasgeboren, heb je nodig levensverzekeringen.
  • If you’re 29 and single, you DO NOT need life insurance.
  • If you’re 27, married, and both you and your spouse work, you might not need life insurance yet, but you may want to start thinking about it anyway.

Starting a family means buying life insurance!

In most cases, you need life insurance when you start a family. Because life insurance isn’t for you—it’s to provide for your family in case you die and can no longer take care of them.

In addition, there may be special situations in which you don’t have a family of your own but may still want some life insurance protection. For example, if a parent has cosigned a large student loan or a mortgage for you, a modest life insurance policy could pay their share in the event something happens to you. *See footnote.

Most of us begin to think about life insurance when we have children. That’s what my wife and I did. Shortly after our daughter was born, we both took out term life policies in amounts that would replace each of our individual income for 20 years and cover the expected cost of our daughter’s college tuition. When our second children was born, we increased our policy to take our son’s expenses into account.

If you’re wise, you might start planning for your life insurance needs before your first child is born. For example, if you’re married, you and your spouse may want to take out life insurance for each other, even if you both work. Many couples rely on two incomes to pay monthly expenses, and if one spouse dies, the other would have to cover those same expenses on their own.

Another advantage to buying life insurance sooner is that insurance gets more expensive as you age. And, if you develop a medical condition, you may not be able to get life insurance at all. So if you think you might need life insurance in the future, the best time to get it may be now while you’re young and healthy.

How to buy life insurance

When you decide you need to think about life insurance, determine how much life insurance you need:

  • Multiply your annual income by the number of years you want the insurance to cover.
  • Add any fixed expenses (like kids’ college tuition).
  • Finally, subtract any non-retirement savings or investments you have that could cover some of these costs in lieu of an insurance benefit.

Next, talk to your local insurance agent or get free life insurance quotes online.

You should also take time to learn more about the differences between term life insurance and whole life insurance, which is sometimes sold as a combined insurance and investment product. Lauren and I stuck with simple term life insurance, and recommend you do, too.

Summary

Life insurance is an important part of your financial toolkit—but it’s not a tool that everybody needs at the same time. It depends on your age, your family situation, and whether you have people who depend on your income.

* In dit geval, zou je niet een ton van de verzekering nodig, alleen genoeg om het openstaande saldo op de lening te dekken. Hoewel de financiering van bedrijven verkopen beleid dat een lening uitbetaling als je sterft, is dit beleid niet bieden zo veel waarde als een traditionele term life beleid. Voor één, wordt de uitkering beperkt tot het saldo van de lening op het moment van de dood, niet een vast bedrag in dollars. Ook is het belangrijk op te merken dat u NIET dit soort beleid nodig, tenzij je een cosigner die nog steeds wettelijk verantwoordelijk voor de schuld na uw dood zou zijn.

Ahmad Faishal is now a full-time writer and former Analyst of BPD DIY Bank. He’s Risk Management Certified. Specializing in writing about financial literacy, Faishal acknowledges the need for a world filled with education and understanding of various financial areas including topics related to managing personal finance, money and investing and considers investoguru as the best place for his knowledge and experience to come together.

Kai jums reikia pirkti Gyvybės draudimas?

Paprasčiau tariant, jums reikia gyvybės draudimo, jei kažkas yra, priklausomai nuo jūsų pajamų. Paprastai tai reiškia, kad jūsų vaikai, tačiau ji taip pat gali būti naudojamas sumokėti skolą už savo sutuoktinio ar tėvų.

Kai jums reikia pirkti Gyvybės draudimas?

Gyvybės draudimas yra ne paprastai ant twentysomething sąrašą finansinių prioritetų.

Ir tai gerai. Gal būt. 

Jei esate laimingai Vienišas ir vaikus, jums greičiausiai gali praleisti šį postą (dabar). Bet jei santuoka ar šeima yra horizonte, skaitykite toliau.

Nors amžius gali vaidinti svarbų vaidmenį, kiek gyvybės draudimo jums reikia, sprendimas pirkti gyvybės draudimo neturi nieko su amžiumi. Taigi, kai jums reikia gyvybės draudimo? Štai paprasta taisyklė:

Jūs turite pirkti gyvybės draudimo, kai kažkas priklauso nuo jūsų pajamų.

Štai keletas bendrų pavyzdžių:

  • Jei esate 25 su žmona kuris būna namuose su naujagimiu, jums reikia gyvybės draudimas.
  • If you’re 29 and single, you DO NOT need life insurance.
  • If you’re 27, married, and both you and your spouse work, you might not need life insurance yet, but you may want to start thinking about it anyway.

Starting a family means buying life insurance!

In most cases, you need life insurance when you start a family. Because life insurance isn’t for you—it’s to provide for your family in case you die and can no longer take care of them.

In addition, there may be special situations in which you don’t have a family of your own but may still want some life insurance protection. For example, if a parent has cosigned a large student loan or a mortgage for you, a modest life insurance policy could pay their share in the event something happens to you. *See footnote.

Most of us begin to think about life insurance when we have children. That’s what my wife and I did. Shortly after our daughter was born, we both took out term life policies in amounts that would replace each of our individual income for 20 years and cover the expected cost of our daughter’s college tuition. When our second children was born, we increased our policy to take our son’s expenses into account.

If you’re wise, you might start planning for your life insurance needs before your first child is born. For example, if you’re married, you and your spouse may want to take out life insurance for each other, even if you both work. Many couples rely on two incomes to pay monthly expenses, and if one spouse dies, the other would have to cover those same expenses on their own.

Another advantage to buying life insurance sooner is that insurance gets more expensive as you age. And, if you develop a medical condition, you may not be able to get life insurance at all. So if you think you might need life insurance in the future, the best time to get it may be now while you’re young and healthy.

How to buy life insurance

When you decide you need to think about life insurance, determine how much life insurance you need:

  • Multiply your annual income by the number of years you want the insurance to cover.
  • Add any fixed expenses (like kids’ college tuition).
  • Finally, subtract any non-retirement savings or investments you have that could cover some of these costs in lieu of an insurance benefit.

Next, talk to your local insurance agent or get free life insurance quotes online.

You should also take time to learn more about the differences between term life insurance and whole life insurance, which is sometimes sold as a combined insurance and investment product. Lauren and I stuck with simple term life insurance, and recommend you do, too.

Summary

Life insurance is an important part of your financial toolkit—but it’s not a tool that everybody needs at the same time. It depends on your age, your family situation, and whether you have people who depend on your income.

* Šiuo atveju, jūs nereikia draudimo tona, tik pakankamai padengti nesumokėtą likutį už paskolą. Nors Finansų kompanijos parduoti politiką, kuri bus Įmoka paskolą, jei jums mirti, ši politika negali pasiūlyti kuo daugiau vertės, kaip tradicinis terminas gyvenimo politika. Už vieną, nauda yra tik paskolos likučio prie mirties, jie ne fiksuotą pinigų sumą laiko. Be to, svarbu pažymėti, kad jums nereikia šią politiką natūra, jei turite cosigner kurie vis dar yra teisiškai atsakingas už skolą po savo mirties.

Ahmad Faishal is now a full-time writer and former Analyst of BPD DIY Bank. He’s Risk Management Certified. Specializing in writing about financial literacy, Faishal acknowledges the need for a world filled with education and understanding of various financial areas including topics related to managing personal finance, money and investing and considers investoguru as the best place for his knowledge and experience to come together.

Quando è necessario acquistare assicurazione sulla vita?

In poche parole, è necessario l’assicurazione sulla vita se qualcun altro sta a seconda del reddito. Di solito questo significa che i vostri figli, ma potrebbe anche essere utilizzato per pagare il debito per il vostro coniuge o genitori.

Quando è necessario acquistare assicurazione sulla vita?

Assicurazione sulla vita di solito non è sulla lista di un ventenne di priorità finanziarie.

E va bene così. Può essere. 

Se siete felicemente single e senza figli, si può probabilmente saltare questo post (per ora). Ma se il matrimonio o una famiglia è all’orizzonte, a leggere.

Anche se l’età può giocare un ruolo in quanto l’assicurazione sulla vita è necessario, la decisione di acquistare l’assicurazione sulla vita non ha nulla a che fare con l’età. Così, quando hai bisogno di assicurazione sulla vita? Ecco la semplice regola:

È necessario acquistare l’assicurazione sulla vita quando qualcun altro dipende dal vostro reddito.

Ecco alcuni esempi comuni:

  • Se sei 25 con una moglie che è stare a casa con un neonato, si ha bisogno di assicurazione sulla vita.
  • If you’re 29 and single, you DO NOT need life insurance.
  • If you’re 27, married, and both you and your spouse work, you might not need life insurance yet, but you may want to start thinking about it anyway.

Starting a family means buying life insurance!

In most cases, you need life insurance when you start a family. Because life insurance isn’t for you—it’s to provide for your family in case you die and can no longer take care of them.

In addition, there may be special situations in which you don’t have a family of your own but may still want some life insurance protection. For example, if a parent has cosigned a large student loan or a mortgage for you, a modest life insurance policy could pay their share in the event something happens to you. *See footnote.

Most of us begin to think about life insurance when we have children. That’s what my wife and I did. Shortly after our daughter was born, we both took out term life policies in amounts that would replace each of our individual income for 20 years and cover the expected cost of our daughter’s college tuition. When our second children was born, we increased our policy to take our son’s expenses into account.

If you’re wise, you might start planning for your life insurance needs before your first child is born. For example, if you’re married, you and your spouse may want to take out life insurance for each other, even if you both work. Many couples rely on two incomes to pay monthly expenses, and if one spouse dies, the other would have to cover those same expenses on their own.

Another advantage to buying life insurance sooner is that insurance gets more expensive as you age. And, if you develop a medical condition, you may not be able to get life insurance at all. So if you think you might need life insurance in the future, the best time to get it may be now while you’re young and healthy.

How to buy life insurance

When you decide you need to think about life insurance, determine how much life insurance you need:

  • Multiply your annual income by the number of years you want the insurance to cover.
  • Add any fixed expenses (like kids’ college tuition).
  • Finally, subtract any non-retirement savings or investments you have that could cover some of these costs in lieu of an insurance benefit.

Next, talk to your local insurance agent or get free life insurance quotes online.

You should also take time to learn more about the differences between term life insurance and whole life insurance, which is sometimes sold as a combined insurance and investment product. Lauren and I stuck with simple term life insurance, and recommend you do, too.

Summary

Life insurance is an important part of your financial toolkit—but it’s not a tool that everybody needs at the same time. It depends on your age, your family situation, and whether you have people who depend on your income.

* In questo caso, non si avrebbe bisogno di una tonnellata di assicurazione, solo quanto basta per coprire il saldo sul prestito. Anche se le società finanziarie vendono politiche che payoff un prestito se si muore, queste politiche non offrono tanto valore quanto una politica tradizionale vita termine. Per uno, il beneficio è limitato al saldo del prestito, al momento della morte, non un importo in dollari fisso. Inoltre, è importante notare che non hai bisogno di questo tipo di politica se non si ha un cofirmatario che sarebbe ancora legalmente responsabile per il debito dopo la tua morte.

Ahmad Faishal is now a full-time writer and former Analyst of BPD DIY Bank. He’s Risk Management Certified. Specializing in writing about financial literacy, Faishal acknowledges the need for a world filled with education and understanding of various financial areas including topics related to managing personal finance, money and investing and considers investoguru as the best place for his knowledge and experience to come together.

¿Cuándo es necesario comprar seguro de vida?

En pocas palabras, es necesario un seguro de vida si otra persona está en función de sus ingresos. Por lo general, esto significa que sus hijos, pero también podría ser utilizado para pagar la deuda de su cónyuge o sus padres.

¿Cuándo es necesario comprar seguro de vida?

El seguro de vida no es por lo general en la lista de un veinteañero de las prioridades financieras.

Y eso está bien. Tal vez. 

Si usted es feliz solo y sin hijos, es probable que pueda saltar este post (por ahora). Pero si el matrimonio o una familia está en el horizonte, sigue leyendo.

A pesar de que la edad puede desempeñar un papel en la cantidad de seguro de vida que necesita, la decisión de comprar un seguro de vida no tiene nada que ver con la edad. Así que cuando usted necesita un seguro de vida? Aquí está la regla simple:

Usted necesita comprar seguro de vida cuando otra persona depende de sus ingresos.

Estos son algunos ejemplos comunes:

  • Si usted es 25 con una esposa que se queda en casa con un recién nacido, usted no necesita un seguro de vida.
  • If you’re 29 and single, you DO NOT need life insurance.
  • If you’re 27, married, and both you and your spouse work, you might not need life insurance yet, but you may want to start thinking about it anyway.

Starting a family means buying life insurance!

In most cases, you need life insurance when you start a family. Because life insurance isn’t for you—it’s to provide for your family in case you die and can no longer take care of them.

In addition, there may be special situations in which you don’t have a family of your own but may still want some life insurance protection. For example, if a parent has cosigned a large student loan or a mortgage for you, a modest life insurance policy could pay their share in the event something happens to you. *See footnote.

Most of us begin to think about life insurance when we have children. That’s what my wife and I did. Shortly after our daughter was born, we both took out term life policies in amounts that would replace each of our individual income for 20 years and cover the expected cost of our daughter’s college tuition. When our second children was born, we increased our policy to take our son’s expenses into account.

If you’re wise, you might start planning for your life insurance needs before your first child is born. For example, if you’re married, you and your spouse may want to take out life insurance for each other, even if you both work. Many couples rely on two incomes to pay monthly expenses, and if one spouse dies, the other would have to cover those same expenses on their own.

Another advantage to buying life insurance sooner is that insurance gets more expensive as you age. And, if you develop a medical condition, you may not be able to get life insurance at all. So if you think you might need life insurance in the future, the best time to get it may be now while you’re young and healthy.

How to buy life insurance

When you decide you need to think about life insurance, determine how much life insurance you need:

  • Multiply your annual income by the number of years you want the insurance to cover.
  • Add any fixed expenses (like kids’ college tuition).
  • Finally, subtract any non-retirement savings or investments you have that could cover some of these costs in lieu of an insurance benefit.

Next, talk to your local insurance agent or get free life insurance quotes online.

You should also take time to learn more about the differences between term life insurance and whole life insurance, which is sometimes sold as a combined insurance and investment product. Lauren and I stuck with simple term life insurance, and recommend you do, too.

Summary

Life insurance is an important part of your financial toolkit—but it’s not a tool that everybody needs at the same time. It depends on your age, your family situation, and whether you have people who depend on your income.

* En este caso, usted no necesitaría una tonelada de seguros, sólo lo suficiente para cubrir el saldo pendiente del préstamo. Aunque las compañías financieras venden pólizas que se recompensa un préstamo si usted muere, estas políticas no ofrecen tanto valor como una política de vida término tradicional. Por un lado, el beneficio se limita al saldo del préstamo en el momento de la muerte, no una cantidad fija en dólares. Además, es importante tener en cuenta que usted no necesita este tipo de política a menos que tenga un aval que seguiría siendo legalmente responsable de la deuda después de su muerte.

Ahmad Faishal is now a full-time writer and former Analyst of BPD DIY Bank. He’s Risk Management Certified. Specializing in writing about financial literacy, Faishal acknowledges the need for a world filled with education and understanding of various financial areas including topics related to managing personal finance, money and investing and considers investoguru as the best place for his knowledge and experience to come together.

Wenn Sie benötigen Lebensversicherung kaufen?

Einfach ausgedrückt, müssen Sie Lebensversicherung, wenn jemand anderes von Ihrem Einkommen abhängig ist. Normalerweise bedeutet dies, Ihre Kinder, aber es könnte auch dazu verwendet werden, zahlen sich aus Schulden für Ihren Ehepartner oder Eltern.

Wenn Sie benötigen Lebensversicherung kaufen?

Die Lebensversicherung ist nicht in der Regel auf einem Twen-Liste der finanziellen Prioritäten.

Und das ist in Ordnung. Könnte sein. 

Wenn Sie glücklich ledig und kinderlos sind, können Sie wahrscheinlich diesen Beitrag (bis jetzt) ​​überspringen. Aber wenn die Ehe oder eine Familie am Horizont ist, lesen Sie weiter.

Obwohl das Alter eine Rolle, wie viel Lebensversicherung spielen Sie benötigen, hat die Entscheidung der Lebensversicherung kaufen nichts mit dem Alter zu tun. Also, wenn Sie brauchen Lebensversicherung? Hier ist die einfache Regel:

Sie benötigen Lebensversicherung zu kaufen, wenn jemand anderes von Ihrem Einkommen abhängig ist.

Hier sind einige typische Beispiele:

  • Wenn Sie 25 mit einer Frau sind, die zu Hause mit einem Neugeborenen aufhalten, haben Sie Lebensversicherung benötigen.
  • If you’re 29 and single, you DO NOT need life insurance.
  • If you’re 27, married, and both you and your spouse work, you might not need life insurance yet, but you may want to start thinking about it anyway.

Starting a family means buying life insurance!

In most cases, you need life insurance when you start a family. Because life insurance isn’t for you—it’s to provide for your family in case you die and can no longer take care of them.

In addition, there may be special situations in which you don’t have a family of your own but may still want some life insurance protection. For example, if a parent has cosigned a large student loan or a mortgage for you, a modest life insurance policy could pay their share in the event something happens to you. *See footnote.

Most of us begin to think about life insurance when we have children. That’s what my wife and I did. Shortly after our daughter was born, we both took out term life policies in amounts that would replace each of our individual income for 20 years and cover the expected cost of our daughter’s college tuition. When our second children was born, we increased our policy to take our son’s expenses into account.

If you’re wise, you might start planning for your life insurance needs before your first child is born. For example, if you’re married, you and your spouse may want to take out life insurance for each other, even if you both work. Many couples rely on two incomes to pay monthly expenses, and if one spouse dies, the other would have to cover those same expenses on their own.

Another advantage to buying life insurance sooner is that insurance gets more expensive as you age. And, if you develop a medical condition, you may not be able to get life insurance at all. So if you think you might need life insurance in the future, the best time to get it may be now while you’re young and healthy.

How to buy life insurance

When you decide you need to think about life insurance, determine how much life insurance you need:

  • Multiply your annual income by the number of years you want the insurance to cover.
  • Add any fixed expenses (like kids’ college tuition).
  • Finally, subtract any non-retirement savings or investments you have that could cover some of these costs in lieu of an insurance benefit.

Next, talk to your local insurance agent or get free life insurance quotes online.

You should also take time to learn more about the differences between term life insurance and whole life insurance, which is sometimes sold as a combined insurance and investment product. Lauren and I stuck with simple term life insurance, and recommend you do, too.

Summary

Life insurance is an important part of your financial toolkit—but it’s not a tool that everybody needs at the same time. It depends on your age, your family situation, and whether you have people who depend on your income.

* In diesem Fall würden Sie eine Tonne Versicherung nicht brauchen, nur genug, um den ausstehenden Betrag auf das Darlehen zu decken. Obwohl Finanzgesellschaften Politik zu verkaufen, die ein Darlehen Auszahlung, wenn Sie sterben, haben diese Politik nicht so viel Wert wie ein traditioneller Begriff Lebensversicherung anbieten. Zum einen ist der Nutzen für den Saldo des Darlehens zum Zeitpunkt des Todes begrenzt, nicht einen festen Dollar-Betrag. Außerdem ist es wichtig zu beachten, dass Sie diese Art von Politik nicht brauchen, wenn Sie einen cosigner haben, die noch rechtlich verantwortlich für die Schulden nach dem Tod sein würden.

Ahmad Faishal is now a full-time writer and former Analyst of BPD DIY Bank. He’s Risk Management Certified. Specializing in writing about financial literacy, Faishal acknowledges the need for a world filled with education and understanding of various financial areas including topics related to managing personal finance, money and investing and considers investoguru as the best place for his knowledge and experience to come together.

Když Potřebujete koupit životní pojištění?

Jednoduše řečeno, budete potřebovat životní pojištění, pokud někdo jiný v závislosti na vašem příjmu. Obvykle to znamená, že vaše děti, ale mohlo by to být také použita na splacení dluhu za svého manžela nebo rodičů.

Když Potřebujete koupit životní pojištění?

Životní pojištění není obvykle na seznamu A twentysomething se finančních priorit.

A to je v pořádku. Může být. 

Pokud jste šťastně svobodný a bezdětný, budete pravděpodobně přeskočit tento post (prozatím). Ale pokud manželství nebo rodina je na obzoru, čtěte dál.

Přestože věk může hrát roli v tom, kolik životní pojištění je třeba, rozhodnutí o koupi životní pojištění nemá nic společného s věkem. Takže když budete potřebovat životní pojištění? Zde je jednoduché pravidlo:

Musíte si koupit životní pojištění, když někdo jiný, závisí na vašem příjmu.

Zde jsou některé běžné příklady:

  • Pokud jste 25 s manželkou, který pobývá doma s novorozencem, vy potřebujete životní pojištění.
  • If you’re 29 and single, you DO NOT need life insurance.
  • If you’re 27, married, and both you and your spouse work, you might not need life insurance yet, but you may want to start thinking about it anyway.

Starting a family means buying life insurance!

In most cases, you need life insurance when you start a family. Because life insurance isn’t for you—it’s to provide for your family in case you die and can no longer take care of them.

In addition, there may be special situations in which you don’t have a family of your own but may still want some life insurance protection. For example, if a parent has cosigned a large student loan or a mortgage for you, a modest life insurance policy could pay their share in the event something happens to you. *See footnote.

Most of us begin to think about life insurance when we have children. That’s what my wife and I did. Shortly after our daughter was born, we both took out term life policies in amounts that would replace each of our individual income for 20 years and cover the expected cost of our daughter’s college tuition. When our second children was born, we increased our policy to take our son’s expenses into account.

If you’re wise, you might start planning for your life insurance needs before your first child is born. For example, if you’re married, you and your spouse may want to take out life insurance for each other, even if you both work. Many couples rely on two incomes to pay monthly expenses, and if one spouse dies, the other would have to cover those same expenses on their own.

Another advantage to buying life insurance sooner is that insurance gets more expensive as you age. And, if you develop a medical condition, you may not be able to get life insurance at all. So if you think you might need life insurance in the future, the best time to get it may be now while you’re young and healthy.

How to buy life insurance

When you decide you need to think about life insurance, determine how much life insurance you need:

  • Multiply your annual income by the number of years you want the insurance to cover.
  • Add any fixed expenses (like kids’ college tuition).
  • Finally, subtract any non-retirement savings or investments you have that could cover some of these costs in lieu of an insurance benefit.

Next, talk to your local insurance agent or get free life insurance quotes online.

You should also take time to learn more about the differences between term life insurance and whole life insurance, which is sometimes sold as a combined insurance and investment product. Lauren and I stuck with simple term life insurance, and recommend you do, too.

Summary

Life insurance is an important part of your financial toolkit—but it’s not a tool that everybody needs at the same time. It depends on your age, your family situation, and whether you have people who depend on your income.

* V tomto případě byste nepotřebujete tuny pojištění, stačí pouze na pokrytí zůstatku na úvěru. Ačkoli finanční společnosti prodávají politiky, které bude výplata úvěr, pokud zemřete, tyto politiky nenabízejí tolik hodnotu jako tradiční termín životního pojištění. Za prvé, tato výhoda je omezena na zůstatku úvěru v době smrti, ne pevnou peněžní částku. Také je důležité si uvědomit, že nemáte tento druh politiky je třeba, pokud nemáte spolupodepsaný, který by ještě být právně odpovědný za dluh po vaší smrti.

Ahmad Faishal is now a full-time writer and former Analyst of BPD DIY Bank. He’s Risk Management Certified. Specializing in writing about financial literacy, Faishal acknowledges the need for a world filled with education and understanding of various financial areas including topics related to managing personal finance, money and investing and considers investoguru as the best place for his knowledge and experience to come together.

عندما لا تحتاج إلى شراء التأمين على الحياة؟

ببساطة، تحتاج التأمين على الحياة إذا كان شخص آخر يعتمد على دخلك. عادة هذا يعني أطفالك، ولكن يمكن استخدامها أيضا لتسديد الديون لزوجتك أو والديك.

عندما لا تحتاج إلى شراء التأمين على الحياة؟

التأمين على الحياة ليست عادة على قائمة واليافعون من الأولويات المالية.

وهذا ما يرام. يمكن. 

إذا كنت بسعادة واحد وبدون اطفال، ربما يمكنك تخطي هذا المنصب (في الوقت الحالي). ولكن إذا الزواج أو أسرة في الأفق، على قراءة.

على الرغم من أن عمر قد تلعب دورا في مقدار التأمين على الحياة التي تحتاج إليها، قرار شراء التأمين على الحياة له علاقة مع التقدم في السن لا شيء. حتى عندما لا تحتاج التأمين على الحياة؟ وإليك هذه القاعدة البسيطة:

كنت بحاجة لشراء التأمين على الحياة عندما يعتمد شخص آخر على الدخل الخاص بك.

وهنا بعض الأمثلة الشائعة:

  • إذا كنت 25 مع الزوجة والبقاء في المنزل مع الأطفال حديثي الولادة، كنت بحاجة إلى التأمين على الحياة.
  • If you’re 29 and single, you DO NOT need life insurance.
  • If you’re 27, married, and both you and your spouse work, you might not need life insurance yet, but you may want to start thinking about it anyway.

Starting a family means buying life insurance!

In most cases, you need life insurance when you start a family. Because life insurance isn’t for you—it’s to provide for your family in case you die and can no longer take care of them.

In addition, there may be special situations in which you don’t have a family of your own but may still want some life insurance protection. For example, if a parent has cosigned a large student loan or a mortgage for you, a modest life insurance policy could pay their share in the event something happens to you. *See footnote.

Most of us begin to think about life insurance when we have children. That’s what my wife and I did. Shortly after our daughter was born, we both took out term life policies in amounts that would replace each of our individual income for 20 years and cover the expected cost of our daughter’s college tuition. When our second children was born, we increased our policy to take our son’s expenses into account.

If you’re wise, you might start planning for your life insurance needs before your first child is born. For example, if you’re married, you and your spouse may want to take out life insurance for each other, even if you both work. Many couples rely on two incomes to pay monthly expenses, and if one spouse dies, the other would have to cover those same expenses on their own.

Another advantage to buying life insurance sooner is that insurance gets more expensive as you age. And, if you develop a medical condition, you may not be able to get life insurance at all. So if you think you might need life insurance in the future, the best time to get it may be now while you’re young and healthy.

How to buy life insurance

When you decide you need to think about life insurance, determine how much life insurance you need:

  • Multiply your annual income by the number of years you want the insurance to cover.
  • Add any fixed expenses (like kids’ college tuition).
  • Finally, subtract any non-retirement savings or investments you have that could cover some of these costs in lieu of an insurance benefit.

Next, talk to your local insurance agent or get free life insurance quotes online.

You should also take time to learn more about the differences between term life insurance and whole life insurance, which is sometimes sold as a combined insurance and investment product. Lauren and I stuck with simple term life insurance, and recommend you do, too.

Summary

Life insurance is an important part of your financial toolkit—but it’s not a tool that everybody needs at the same time. It depends on your age, your family situation, and whether you have people who depend on your income.

* في هذه الحالة، لن تحتاج طن من التأمين، وهو ما يكفي فقط لتغطية الرصيد المتبقي من القرض. على الرغم من أن شركات التمويل بيع السياسات التي من شأنها مكافأة على قرض إذا كنت تموت، هذه السياسات لا توفر أكبر قدر من القيمة كسياسة مدة الحياة التقليدية. لأحد، ويقتصر الفائدة التي تعود على الرصيد المتبقي من القرض في وقت وفاته، وليس مبلغ ثابت بالدولار. أيضا، من المهم أن نلاحظ أن أنك لست بحاجة إلى هذا النوع من السياسة إلا إذا كان لديك cosigner الذي ما زال تكون مسؤولة قانونا عن الدين بعد مماتك.

Ahmad Faishal is now a full-time writer and former Analyst of BPD DIY Bank. He’s Risk Management Certified. Specializing in writing about financial literacy, Faishal acknowledges the need for a world filled with education and understanding of various financial areas including topics related to managing personal finance, money and investing and considers investoguru as the best place for his knowledge and experience to come together.