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人寿保险的价值

你知道吗?...

  1. Sixty-one percent of American workers have no private short-term disability insurance.1,2
  2. Sixty-seven percent of working people in the U.S. 缺乏私人长期残疾保险.1,2
  3. Forty-six percent of Americans have no life insurance.3,4
  4. Approximately 14 percent of American drivers are uninsured.5

如果你问房主, replacing a roof is probably the least satisfying expense they will ever face. While the value of such an investment is obvious, it doesn’t quite provide the satisfaction of new landscaping. 然而,, 当大雨来临时, ask that same owner if they would have preferred nice flowers or a sturdy roof.

保险和那个屋顶很像. 这不是一笔令人非常满意的支出, but it may offer protection against the myriad of potential financial storms that can touch down in your life.

生活的不确定性是广泛的, and many of them can threaten the financial security of you and your family. We understand most of these risks – a home destroyed by a fire and a car accident are just two common risks, which could subject you to an outsized financial loss.

类似的, your inability to earn a living to support yourself and your family, 由于死亡或残疾, can wreak long-term financial havoc on those closest to you.

保险 exists to help protect you from these forms of wealth destruction.

Some insurance (such as home or car) may be required. When it isn't mandated (in the case of life or disability), individuals may be tempted to avoid the certain financial “loss” associated with insurance premiums, assuming the risk of much larger losses that are less likely to happen.

But insurance premiums aren't a financial “loss.” They are designed to help protect you and your family as you build personal wealth.

1. 劳工统计局,2020
2. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Federal and state laws and regulations are subject to change, which would have an impact on after-tax investment returns. 请咨询法律或税务专业人士 for specific information regarding your individual situation.
3. LIMRA 2020
4. Several factors will affect the cost and availability of life insurance, 包括年龄, health and the type and amount of insurance purchased. Life insurance policies have expenses, including mortality and other charges. 如果保单过早退保, 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.
5. Auto保险.org, 2020

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见及 material provided are for general information, and should not be considered a solicitation for the purchase or 出售任何证券. 版权所有2021 FMG套件.

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