五合一生前福利

Categories: 人壽保險+年金, 理財投資, 美國生活, 退休规划Published On: January 11th, 202110.7 min readViews: 15394
admin
SHARE

什麼是生前福利?  五合一生前福利它有哪些好處?  對我們的生活有什麼樣的影響? 

當家中支柱萬一不幸倒下?
哈佛在2007年做過一個統計:造成人們房子被拍賣, 或者宣告破產的主因有哪些?結果,【因為賺錢養家糊口的人過世了】此因竟然只佔所有選項3%,按照大家固有想法,既然賺錢的主力不在了,沒有持續的錢來維持開銷,破產也是遲早的事,但讓人意外的是這個比例只佔百分之三?
首先,該現象反映現實之一是,現在的人不是那麼容易過世了!之二,統計說明在過世的人中60%是因生病;而這些生病的人當中78%有健康保險。有健康保險固然很好,但是它的保障功能也確實有限。
在美國有兩項對家庭影響比較大的事,一是重大疾病突然發生,重大疾病包含癌症、中風、心髒病等;另外是長期看護的需求,癌症、中風、心髒病這些都是需要長時間來治療休養。一般中產階級家庭賺錢養家的主力成員不幸患病,需要請上1~2年的假來休養治療,健康保險是不會cover未上班而損失的收入,也不會cover看病的自付額,還有一些新藥的費用、護工的費用。
家庭因此會背負沉重的醫療費用負擔,畢竟,長期看護的費用是很昂貴,對中階家庭家庭經濟影響很大,甚至成為壓垮駱駝的最後一根稻草。這就是為什麼就算上述60%者有健康保險,還是會被昂貴的醫療費「打趴」的原因。

規劃看重點
家庭財務規劃離不開教育金、退休規劃、人壽保險、溝屋置產等,但是我們要提醒大家,千萬部要忽略了萬一碰到重大事故或疾病,我們是需要重大疾病保險和長期看護保險。現在多元化時代加上疫情帶來巨大生活變化,但靠薪資要顧及家庭生活中的方方面面規劃,剩下的錢也不多了。人壽保險新功能最重要即是保留了原來身故理賠之基本功能外,還可以用來存錢做退休金、孩子上大學的教育金,以及生病的時候(人尚未過世),提前取出來“救急”重大疾病跟長期看護所需,萬一不幸人走了,用不完的錢還可以退回給家人。像這樣五個需求一併結合在一份人壽保險計劃裡可以省下不少錢,盈餘的錢還可以再來做其它的規劃。

小結
「生前福利」就是在還活著時候,就有機會用到人壽保險計劃裡的好處。為您歸納以下五個好處,一、平時存錢、二、孩子大學教育金、三、退休規劃,四、生病提前取出部分理賠金,五、再加上身故理賠,就是所謂的「五合一生前福利」。無論您是30歲以上的家庭,還是公司老闆,這無非是一個現代人為家庭做理財規劃的好建議,五合一人壽保險計劃,既可以滿足生活的多項保障需求,還經濟實用。

泛宇用心,讓您安心

Disclosure TransGlobal Advisory, LLC is a Registered Investment Adviser. This platform is solely for informational purposes. Advisory services are only offered to clients or prospective clients where TransGlobal Advisory, LLC and its representatives are properly licensed or exempt from licensure. Past performance is no guarantee of future returns. Investing involves risk and possible loss of principal capital. No advice may be rendered by TransGlobal Advisory, LLC unless a client service agreement is in place. “Likes” are not intended to be endorsements of our firm, our advisors or our services. Please be aware that while we monitor comments and “likes” left on this page, we do not endorse or necessarily share the same opinions expressed by site users. While we appreciate your comments and feedback please be aware that any form of testimony from current or past clients about their experience with our firm is strictly forbidden under current securities laws. Please honor our request to limit your posts to industry-related educational information and comments. Third-party rankings and recognitions are no guarantee of future investment success and do not ensure that a client or prospective client will experience a higher level of performance or results. These ratings should not be construed as an endorsement of the advisor by any client nor are they representative of any one client’s evaluation. TransGlobal Advisory, LLC is a registered investment adviser.  Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies.  Investments involve risk and, unless otherwise stated, are not guaranteed.  Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy discussed herein. Past performance is not indicative of future performance. TransGlobal Advisory, LLC may discuss and display, charts, graphs, formulas which are not intended to be used by themselves to determine which securities to buy or sell, or when to buy or sell them. Such charts and graphs offer limited information and should not be used on their own to make investment decisions.