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定期寿险

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定期人寿保险-黄金规则保险公司

定期人寿保险

毫无疑问,你的死亡会给你最亲近的人的生活带来混乱。没有人愿意去想它,但所有人都需要为此做好准备。

如果你的家人依靠你的收入来维持日常生活开支,你的死亡对他们的经济影响可能是毁灭性的。由黄金法则保险公司承保的联合医疗保险公司的定期人寿保险可以在你不在的时候帮助你保护你的家庭财务。

定期人寿保险

你可能会想,“什么是定期人寿保险?”

定期寿险就像它听起来的那样,一种人寿保险你买了一定年限的东西——一个术语——在你死后在经济上帮助你的家人。

这就引出了下一个逻辑问题:“定期寿险是如何运作的?”

定期人寿保险计划支付你的指定受益人a一次性受益如果您在选定的保单期限内死亡。保单福利将支付给你的受益人,可以按照他们的意愿使用,无论是抵押贷款支付,旅行费用,还是孩子的学费。


一次性

你死后的抚恤金

没有任何医学考试

无需体检F44

75岁

能坚持到75岁吗


1214479802

增加重大疾病保险

担心一场疾病会耗尽你或你家人的资源?UnitedHealthcare的定期寿险还有另一个好处,你可以选择添加,即重症疾病。如果您购买了可选的重病附加条款F45并且被诊断出患有符合条件的疾病,你可以获得现金福利。在诊断出下列符合条件的疾病后,这项福利将支付给你

覆盖重要疾病F46

  • 心脏病
  • 威胁生命的癌症
  • 失聪丧失听力、语言或视力
  • 主要器官移植
  • 麻痹
  • 昏迷
  • 肾功能衰竭
  • 中风
  • 原位癌
  • 冠状动脉搭桥术

重要的是:从重大疾病附加条款中收到的保险金额将从定期寿险保单中扣除。

1214479802



定期寿险和终身寿险有什么区别?

定期寿险保单只适用于特定的年限,根据您的生活环境,使这些保单更加划算和有益。这些计划可能是一个很好的选择,如果你是

1212170355

抚养孩子或
供他们读完大学

1152470872

支付了
抵押贷款

1169643988

赚了大部分的钱
家庭收入

换句话说,定期寿险是一个很好的选择,如果你有一些及时的事件,你将需要能够覆盖在你死亡的情况下。

终身寿险是一种更持久(通常更昂贵)的人寿保险形式。保单为你提供终身保险,在你死亡的情况下保证收益,以及每年增长的现金价值,在某些情况下,你可以在税收优惠的基础上增加现金价值,甚至可以借到现金。

没有人喜欢去想他们去世后会发生什么,但是定期人寿保险可以在你不在的时候帮助你的亲人在经济上。

有关定期寿险如何提供帮助的更多信息,请联系授权产品顾问。



术语生命与严重疾病的行动:一个例子

1.你选择您的定期寿险保单期限(例如,10年)

2.你选择你的福利等级(例如,50,000美元定期人寿保险和25,000美元危重病可选保险)

3.你是被诊断出患有严重疾病在等待期结束后,并在每次诊断后获得一次性危重症福利支付(例如,您被诊断为绝症,并获得25,000美元的可选危重症福利)

4.的数量支付的重大疾病津贴减少了定期人寿津贴的剩余金额(例如,$50,000定期寿险津贴- $25,000重大疾病津贴支付= $25,000定期寿险津贴剩余。)

我们的报价过程可以指导您通过所有您的保险选项。

本保单有免责条款、限制条款、减少福利条款和条款,根据这些条款,本保单可继续有效或终止。有关费用和保险的完整细节,请致电或写信给您的保险代理人或公司,以适用者为准。

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