Life insurance, or life and pension insurance, is a kind of insurance that takes the life and death of a person as the object of insurance study. It is a kind of insurance in which the insured survives or dies during the liability period of the social insurance company, and the insurer can pay the insurance benefit according to the contract.

According to the scope of business, life insurance includes survival insurance, death insurance and whole life insurance. According to the social security working period, life insurance can be divided into term carry life insurance and whole life insurance. The popular universal life insurance is also a type of insurance in whole life insurance.

終身壽險計劃

Life insurance works to.

1. Helps to save.

The reasons are: â‘  Long-term savings require strong willpower. â‘¡ It is very important to note: Saving alone can easily abort the initial will. For example, you are willing to save for retirement, but you will divert money that was intended for retirement because you want to buy a car and a house, thus nullifying the original plan. Invariably, life insurance becomes your family's financial advisor, the distribution manager.

2. Life insurance can create property and protect it effectively.

We all want our hard-earned money not to be eaten up by taxes, and insurance claims are tax-free.

3、 Life insurance can help you build a stable life.

Without life insurance, a client's standard of living may be cut in half. Because, we have to consider the cost of illness, children's education, and maintenance. Due to these expenses, he will have to save money, and in order to save money, he will have to reduce the cost of living and the standard of living.

People are more eager for a stable life, people are more eager to get to develop economic stability, to get a happiness, to grow old we can have no worries, to take good care of the family, and to keep the business healthy and earn respect. For this stability, he would rather low on and pay.

4、Life insurance can help you win the time to start your own business.

Perhaps you have vowed to your wife and children to take 20 years to start your own business and make as much money as you want before you retire. I understand your ambition. I know you need to make enough money in the last 20 years to live happily ever after with the people you love.

To be frank, you need those 20 years, but can you guarantee that you will live long enough to do so? Let's say you are now 40 years old and plan to earn $6 million at age 60, $300,000 per year. To achieve this plan, you must have a life expectancy that allows you to live 60 years. Life insurance can help you by taking out a little of the interest on this money, and you have this $6 million immediately, and then pay back this loan in annual installments.

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