评估人寿保险需求

如果你的家庭依赖你的收入, it's critical to consider having enough life insurance to provide for them after you pass away. But too often, life insurance is an overlooked aspect of personal finances.

事实上, according to a 2023 study conducted by Life Happens and LIMRA的, 哪个紧跟寿险趋势, nearly 50 percent of Americans say that they have no life insurance coverage at all, even though 39% say they intend to obtain life insurance coverage within the next year.¹

人寿保险的作用

Realizing the role life insurance can play in your family's finances is an important first step. A critical second step is determining how much life insurance you may need.

Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, 以及所购买保险的种类和金额. Life insurance policies have expenses, including mortality and other charges. 如果保单过早放弃, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.

经验法则

One widely followed rule of thumb for estimating a person's insurance needs is based on income. One broad guide suggests a person may need a life insurance policy valued at five times their annual income. Others recommend up to ten times one's annual income.

If you are looking for a more accurate estimate, consider completing a "DNA test.“DNA测试, 或详细需求分析, takes into account a wide range of financial commitments to help better estimate insurance needs.

第一步是把需求和义务加起来.

短期需求

Which funds will need to be available for final expenses? 这可能包括葬礼的费用, 最终医疗账单, 以及任何未偿债务, 比如信用卡或个人贷款. How much to make available for short-term needs will depend on your individual situation.

长期需求

How much will it cost to maintain your family's standard of living? How much is spent on necessities, like housing, food, and clothing? Also, consider factoring in expenses, such as travel and entertainment. Ask yourself, "what would it cost per year to maintain this current lifestyle?"

新义务

将来会产生多少额外的费用啊? What family considerations will need to be addressed, especially if there are young children? 年迈的父母需要某种帮助吗? 大学费用呢?? Factoring in potential new obligations allows for a more accurate picture of ongoing financial needs.

接下来，减去所有可用的流动资产.

流动资产

Any assets that can be redeemed quickly and for a predictable price are considered liquid. Generally, houses and cars are not considered liquid assets since time may be required to sell them. Also, remember that selling a home may adjust a family’s current standard of living.

Needs and obligations – minus liquid assets – can help you get a better idea of the amount of life insurance coverage you may need. While this exercise is a good start to understanding your insurance needs, a more detailed review may be necessary to better assess your situation.

1. LIMRA的.com, 2023

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