(人寿保险)life insurance

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1、LifeInsuranceIntroductionLifeinsuranceproductsSomeadditionalfeaturesofLifeinsurancepoliciesWhatdoesitcost?Thepayout.其他种类的寿险决定保险费的因素赔付DiscussionWhydomanypeopledislikethinkingaboutunexpecteddeath?Whyisitsoimportanttohavefinancialresources?Thinkofsituationsinwhichfinancialresourc

2、esareneededmost.Whatotherfinancialresourcesdoyouknowbesidesalifeinsuranceplan?DiscussionWithallkindsofgeneralinsurance,suchaspropertyorliability,youinsureagainsteventsthatmanyneverhappen.Howislifeinsurancedifferent,andwhyisitimportant?Liabilityinsurance：责任险IntroductionDefiniti

3、onsUsesoflifeinsuranceWhoshouldgetthemoneyThemaintypesoflifeinsuranceDefinitionLifeinsuranceisprimarilydesignedtoprovidesurvivingfamilymemberswiththecashneededtoreplacetheearningsofthefamilybreadwinnershouldthatpersonprematurelydead.Itcanalsobeusedasapartofasavingsprogramandfo

4、restateplanningpurpose.Usedproperly,lifeinsuranceisanimportantpartofaneffectivefinancialmanagementstrategy.Prematurely：过早地；贸然地UsesoflifeinsuranceLifeinsuranceistypicallyusedtoprovidefunds:1、topayfinalexpenses;2、toretireoutstandingdebts;3、fordependents’livingcostsandthechildren

5、’seducation;outstanding1.凸出的outstandingears招风耳2.显著的;杰出的;重要的Sheisanoutstandingactress.她是一个杰出的演员。3.未解决的;未完成的;未偿付的Theoutstandingdebtsmustbepaidbytheendofthemonth.未了的债务须在月底前偿还。Usesoflifeinsurance4、toallowremainingpartnersorshareholdersinaprivately-heldbusinesstobuyouttheinsured’si

6、nterestwithouthavingtosellorliquidatethebusiness;5、topaytaxesinordertopreservefamilyassetsforthenextgeneration;6、toendowcharities.liquidate：vt.清算;清偿;结束;换现款捐赠；资助；赋予；赐予Whoshouldgetthemoney?Theinsurancebemadepayabletospecificallynamedindividualscalledbeneficiaries.Inthiswayinsura

7、nceispaiddirectly,bypassingmanylegalissuesthatcanarisewhenapersondies.Bypass：绕过，避开;不顾人寿保险的主要种类分红保险投资连结保险万能保险人寿保险的主要类型普通型人寿保险新型人寿保险终身寿险定期寿险两全保险年金保险……LifeAssuranceProductsEndowmentassuranceTermassuranceWholelifeassuranceUnit-linkedpoliciesCriticalillnesscoverPermanenthealthinsur

8、ance(PHI)AnnuityPersonalpensionplan养老保险；两全保险年金定期寿险终身人寿保险终身人寿保