购买人身寿险保险可以在你不幸发生时，为你的家人提供安全的保护伞。一份寿险合约可以在你树立保障合同开始直至你身故，你的受益人可以用这份赔付金额继续生活，额外的债务以及每日的生活开支。

人寿保险的种类；

我们可以根据电子保单来查看寿险合同的类别。定期寿险规定提供一份一定年份的保障，同样长期保险则如终身寿险、通用寿险可以覆盖终身；

为何购买人寿保险？

当你发生意外时，你保单的受益人可以给予保险责任进行理赔，一份大额保险可以让你爱的人在你离开人世时获得足够的财务安全保障网。

如果你有如下的情况，你应当考虑人寿保险这件事：

1、你正开始成立家庭：一旦家庭责任主体不幸发生意外，一份人寿保险可以帮助你家庭构建基本的财务安全计划。与此同时，越年轻开始建立人寿保险计划，你的负担越小；

2、你此时有高额的负债：一旦你的家庭失去主要的经济来源时，人寿保险可以提供你的房屋抵押贷款和其他类型的负债

3、制定小盆友未来的教育规划：不管你的小孩已经在上大学或者还有若干年的时间，一旦家庭支柱不幸发生时，人寿保险可以继续为你小孩子支付他们的教育费用所需；

4、为你的退休生活费用做计划：人寿保险被设计用来支付丧葬费用和其他相关的费用，比如丧礼、葬礼、医疗账单和其他巨额的开支，而这一切都是希望不会对你的家庭其他成员造成负担；

如何读懂保险条款中你所拥有的权利？

一般在合同中，专家建议人寿保险保额应该是目前家庭年收入的10倍-15倍，并且是你必须要拥有的最低保障。如果你试着在定期和终身之间选择，下面的内容会对你有所帮助：

1、如果你仅仅刚开始构建寿险保障或者你希望在构建长期保障前有足够的弹性空间建议你设置1年期的短期时间；

2、如果你正在寻找基于原先保单的补充内容，活着你已经接近退休，或者你经济状况比较紧张而仅够提供在你不在的情况下的家庭保障，建议设置10年期的时间；

3、如果你开始建立家庭或者计划不久将来结婚，而为你的小孩子规划一份直至成粘的财务安全规划，建议设置20年的时间；

4、如果你希望提供你爱的人有一份足够他退休的规划，或者你希望在你小孩子长大成人时会有一份成人礼物时，又或者你有一份房屋按揭贷款，那么建议你设置30年的定期寿险。

5、而如果你你考虑的时间是更长的退休，希望这笔钱在你退休时可以提取并且设置它为一旦使用就失去现金价值的作用，建议你可以考虑终身。

保额可以基于以上情况，从最开始的30万，后期可以到1千万。通常来说，当你越年轻越健康时，这笔投入的比率成本约容易负担；

当对比终身寿险和定期寿险的花费，简而言之，时间越久，你当然需要支付越多。详见这篇文章“一份人寿保险纠结应该需要支付多少才划算”

What is life insurance indeed?

Purchasing life insurance allows you to provide a safety net for your loved ones in case you pass away. A life insurance policy is a contract stating that, as long as your premium is paid and the policy is active when you die, your beneficiaries can receive a death benefit payout to be used however they like — for final expenses, paying off outstanding debt, and even everyday costs.

Types of life insurance

Explore the types of life insurance we offer through eFinancial. Term life policies provide coverage if you pass away within a set number of years, while permanent policies such as whole life, universal life, and final expense provide coverage for your entire life.

Why buy life insurance?

When you pass away, the beneficiaries on your life insurance policy can file a claim for your death benefit, which they can use however they like. A life insurance payout can provide your loved ones with the financial safety net they need if you pass away.

GET LIFE INSURANCE IF…

You’re starting a family

A life insurance policy can help provide financial security for your young family in case you pass away unexpectedly. Plus, the younger you are when you apply for life insurance, the more affordable your policy will be.

You have outstanding debt

Life insurance can be essential to helping pay off your mortgage and other debts in case you pass away and your family loses your income.

You plan to pay for your kids’ education

Whether your children are already in college or they’re years away, life insurance can help pay for their education costs if you pass away.

You’re planning for end-of-life expenses

Final expense insurance is designed to cover your funeral costs and other related expenses, such as cremation, interment, medical bills, and outstanding bills, so those costs don’t become a burden to your loved ones.

Which life insurance policy is right for me?

In terms of coverage, some experts recommend carrying life insurance that’s 10 to 15 times your annual income, if you can afford to do so. If you’re trying to decide between a term or permanent life policy, this guide can help you decide:

Consider a 1-year term if you’re just starting out with life insurance or you want to fill a temporary gap in coverage before getting a policy with a longer term.
Consider a 10-year term if you’re looking to supplement another policy, you’re close to retiring, or your finances are tight but you want to provide your family some protection in case you pass away.
Consider a 20-year term if you’ve started a family or plan to soon, to provide a financial safeguard for your children until they’re adults.
Consider a 30-year term if you want to provide your loved ones with a safety net until you retire, or if you have a child with special needs who will rely on your care even after they become an adult. Also, if you have a mortgage, this may be the right option for you.
Consider a permanent policy such as whole life if you prefer coverage well into retirement, as well as the option to withdraw or borrow against your policy’s built-up cash value.
Coverage options begin at $5,000 and go up to $2 million or more. Generally, the younger and healthier you are, the more affordable your rates can be —

Keep in mind that permanent life policies generally cost more than term life policies. And the longer a term life policy lasts, the more you’ll pay. Learn more about how much life insurance costs.