Cover two people with one policy, often at lower cost
Flexible 联合万能人寿 insurance policies may work for couples and business partners.
什么是联合万能人寿pp王者电子官网?
联合万能人寿, also known as Joint 生活 insurance, provides a lifetime of protection [1] 同时建立递延税收的现金价值. 这项pp王者电子官网为两个人提供pp王者电子官网, often at a lower cost than two separate permanent policies, and an income-tax free death benefit is paid to beneficiaries upon the death of the first insured.
是给谁的??
联合万能人寿 is available to eligible individuals ages 18 to 85. 它可以是一个很好的选择:
- 夫妻: 联合万能人寿 can help assure you that loved ones could be provided for after your or your partner's death. While researching policy types, another question to answer is "你需要多少人寿pp王者电子官网"?
- 业务合作伙伴: You and your co-owner can purchase a 联合万能人寿 policy, and the surviving partner can use the death benefit to help cover business expenses.
为什么选择联合万能人寿pp王者电子官网?
Besides the convenience of insuring two individuals under one policy, 联合万能人寿提供额外福利:
- 灵活: 联合万能人寿 allows you to increase or decrease the amount of your premium payment.
- 增长: Your policy builds a tax-deferred cash value over time.
- 访问: 您可以访问此现金值 [2] via policy loans or withdrawals to pay for your child's education, 进行重大的家居装修, 发展你的业务和更多.
- 适应: A survivor purchase option allows you to purchase a new permanent policy after the death of the first insured without evidence of insurability — so long as it's been fewer than 90 days since his or her passing and you're younger than 75.
- 负担得起的: Because 联合万能人寿 pays a death benefit on the first insured, it's typically more affordable than purchasing two separate permanent policies.
- 可定制的: 和你的朋友谈谈。 国营农场® 代理 about optional riders that can add benefits to your policy.
对覆盖范围仍持观望态度? 了解更多关于 如果人寿pp王者电子官网是值得的.
If you're interested in a quote on this type of life product, please contact a 州立农场代理.
[1] Coverage will expire when either no premiums are paid following the initial premium or subsequent premiums are insufficient to continue coverage.
[2] Only four withdrawals are allowed per year ($500 minimum per withdrawal). 投降者可能要缴纳投降费. Unpaid loans and withdrawals will reduce the death benefit and the policy cash value. Withdrawals also will reduce the policy account value/cash surrender value. 贷款计息.
