什么是遗属万能人寿pp王者电子官网?

Survivorship universal life insurance is often referred to as second-to-die insurance. It covers two people and pays a benefit only after both covered individuals have passed away. 因为它的成本少于两个人 永久的政策, it's an affordable option to leave a larger nest egg for your heirs or favorite cause.

Is 遗属万能人寿pp王者电子官网 right for my family?

You've worked hard to take care of your family and build your estate. You plan to pass your money down to your loved ones or your favorite charity and make a difference in their lives. If you need an affordable option to help protect and grow your legacy after you and your partner pass away, 遗属万能人寿pp王者电子官网 也许对你来说是一个选择. 福利包括慈善捐赠, providing for the ongoing needs for an individual with a disability, business transition planning and the possibility to help pay federal estate taxes and other estate-settlement costs owed after both spouses pass away.

遗属万能寿险是如何使用的?

The survivorship universal life policy can help with:

• 慈善捐赠. 你可以 把钱捐给慈善机构 你所关心的东西.
• 支援残疾儿童. Couples who support an individual with a disability often set up a 特殊需要信托基金 with a survivorship policy to ensure their child continues to receive care.
• 业务转型计划. It can provide the funds to compensate members of the family that are not interested in continuing the business.
• 遗产规划. 与智能 遗产规划, death benefits will typically pass income tax-free to heirs, which can help in funding mandatory federal estate taxes.

What are the benefits of 遗属万能人寿pp王者电子官网?

Survivorship universal life insurance policies typically offer a few advantages, including:

• 可购性. Since one survivorship universal life policy covers two people, 它的成本通常低于两份单独的保单.
• 建立现金价值. 当您支付保费时, 一部分用于支付人寿pp王者电子官网的费用, policy expenses and the remainder is applied to a cash value account. The growth in cash value is federal tax-deferred and, over time can be accessed for a variety of personal needs, 但戒断也会有后果.
  • Unpaid loans and withdrawals will reduce the guaranteed death benefit and policy cash value. 贷款也会产生利息.
• 可定制的. You have the ability to customize your policy with available riders, which can allow the actual coverage to fit for your particular situation.