Jednoduše řečeno, budete potřebovat životní pojištění, pokud někdo jiný v závislosti na vašem příjmu. Obvykle to znamená, že vaše děti, ale mohlo by to být také použita na splacení dluhu za svého manžela nebo rodičů.
Životní pojištění není obvykle na seznamu A twentysomething se finančních priorit.
A to je v pořádku. Může být.
Pokud jste šťastně svobodný a bezdětný, budete pravděpodobně přeskočit tento post (prozatím). Ale pokud manželství nebo rodina je na obzoru, čtěte dál.
Přestože věk může hrát roli v tom, kolik životní pojištění je třeba, rozhodnutí o koupi životní pojištění nemá nic společného s věkem. Takže když budete potřebovat životní pojištění? Zde je jednoduché pravidlo:
Musíte si koupit životní pojištění, když někdo jiný, závisí na vašem příjmu.
Zde jsou některé běžné příklady:
- Pokud jste 25 s manželkou, který pobývá doma s novorozencem, vy potřebujete životní pojištění.
- If you’re 29 and single, you DO NOT need life insurance.
- If you’re 27, married, and both you and your spouse work, you might not need life insurance yet, but you may want to start thinking about it anyway.
Starting a family means buying life insurance!
In most cases, you need life insurance when you start a family. Because life insurance isn’t for you—it’s to provide for your family in case you die and can no longer take care of them.
In addition, there may be special situations in which you don’t have a family of your own but may still want some life insurance protection. For example, if a parent has cosigned a large student loan or a mortgage for you, a modest life insurance policy could pay their share in the event something happens to you. *See footnote.
Most of us begin to think about life insurance when we have children. That’s what my wife and I did. Shortly after our daughter was born, we both took out term life policies in amounts that would replace each of our individual income for 20 years and cover the expected cost of our daughter’s college tuition. When our second children was born, we increased our policy to take our son’s expenses into account.
If you’re wise, you might start planning for your life insurance needs before your first child is born. For example, if you’re married, you and your spouse may want to take out life insurance for each other, even if you both work. Many couples rely on two incomes to pay monthly expenses, and if one spouse dies, the other would have to cover those same expenses on their own.
Another advantage to buying life insurance sooner is that insurance gets more expensive as you age. And, if you develop a medical condition, you may not be able to get life insurance at all. So if you think you might need life insurance in the future, the best time to get it may be now while you’re young and healthy.
How to buy life insurance
When you decide you need to think about life insurance, determine how much life insurance you need:
- Multiply your annual income by the number of years you want the insurance to cover.
- Add any fixed expenses (like kids’ college tuition).
- Finally, subtract any non-retirement savings or investments you have that could cover some of these costs in lieu of an insurance benefit.
Next, talk to your local insurance agent or get free life insurance quotes online.
You should also take time to learn more about the differences between term life insurance and whole life insurance, which is sometimes sold as a combined insurance and investment product. Lauren and I stuck with simple term life insurance, and recommend you do, too.
Summary
Life insurance is an important part of your financial toolkit—but it’s not a tool that everybody needs at the same time. It depends on your age, your family situation, and whether you have people who depend on your income.
* V tomto případě byste nepotřebujete tuny pojištění, stačí pouze na pokrytí zůstatku na úvěru. Ačkoli finanční společnosti prodávají politiky, které bude výplata úvěr, pokud zemřete, tyto politiky nenabízejí tolik hodnotu jako tradiční termín životního pojištění. Za prvé, tato výhoda je omezena na zůstatku úvěru v době smrti, ne pevnou peněžní částku. Také je důležité si uvědomit, že nemáte tento druh politiky je třeba, pokud nemáte spolupodepsaný, který by ještě být právně odpovědný za dluh po vaší smrti.
Ahmad Faishal is now a full-time writer and former Analyst of BPD DIY Bank. He’s Risk Management Certified. Specializing in writing about financial literacy, Faishal acknowledges the need for a world filled with education and understanding of various financial areas including topics related to managing personal finance, money and investing and considers investoguru as the best place for his knowledge and experience to come together.