What is life insurance?

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人寿保险是一种用于应对被保人身故时所出现的财务问题,如按揭贷款及其他债务、收入替代方案、子女教育资金、伤病所花费的资金、紧急资金及人生的最终费用等。被保人身故,保险赔偿由保险受益人获得,用于应对被保人身故之后所出现的各种各样的财务问题对家庭的影响。

人寿保险的目标是为你家庭提供家庭主要收入来源者身故之后的财务保障方案。因此,在购买人寿保险之前,你应该考虑你的家庭财务状况以及你的抚养人维持现有生活水平所需要的资金,即需求与负担能力。比如,你的家庭是否需要因为你的身故而更换住所?是否有足够的资金支付持续的开支,如小孩的日托费用或大学的学费、按揭贷款的定期偿还等?你要清楚地评估现在和将来在你的人生中所可能产生的资金需求,如结婚、离婚、小孩出生或领养小孩、购买房屋或生意等。
上述内容仅仅是一般的信息,不作为具体的理财建议或任何产品销售目的。若你或你的家庭或你的生意需要任何的财务规划,请咨询合资格的专业理财顾问,或联系我进行面对面具体的探讨,我的联系电话是:6472054368。

A protection against the loss of income that would result if the insured passed away. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured.
The goal of life insurance is to provide a measure of financial security for your family after you die. So, before purchasing a life insurance policy, you should consider your financial situation and the standard of living you want to maintain for your dependents or survivors. For example, who will be responsible for your funeral costs and final medical bills? Would your family have to relocate? Will there be adequate funds for future or ongoing expenses such as daycare, mortgage payments and college? It is prudent to re-evaluate your life insurance policies annually or when you experience a major life event like marriage, divorce, the birth or adoption of a child, or purchase of a major item such as a house or business.

The above contents are only general information, not for any specific financial recommendation and products sales purpose.Please consult a professional and qualified Financial Advisor or contact me for a personal discusssion if you need any financial planning for you or your family or your business.

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