von I’ve been a financial planner for a while. I have worked with many families to develop financial plans and life insurance is at the heart of every one of them.Es gibt viele Arten von Versicherungen, aber die Lebensversicherung ist eine der besten und wichtigsten Versicherungen
This is because life insurance (and other appropriate forms of insurance) acts as a „failover“ that provides the funds necessary to carry out the budget in the event of an unexpected death. Without that basic pillar of protection, any financial plan is, at best, a „cross your fingers and hope“ wish list.
In my many years in the life insurance discussion, I have identified five main types of people in need of life insurance most urgently:
Individuals with financial dependencies
Individuals who have shared financial commitments with others
Individuals who have financial plans for the benefit of others
Individuals who are predisposed to adverse health conditions (due to inheritance or genetics)
Individuals in dangerous jobs
People with financial dependencies
The first category of people in need of life insurance are those with loved ones of all kinds. This includes some of your usual actors – married couples with a spouse being the breadwinner or a single parent.
Another typical but lesser-known candidate is housewives, as their untimely death can create unforeseen childcare costs. Other candidates can be married or single family members who support elderly parents or other loved ones.
Finally, the candidates can include benefactors who consistently and decisively support causes and organizations that are close to their hearts.
Individuals with Joint Financial Obligations
Joint debts of spouses are a prime example here. If you and your partner own a home together, take out life insurance – this covers your housing costs in the event of your partner’s premature death.
People in this category can also include unmarried couples who jointly enter into rental contracts, car finance agreements, and even mortgages on a home or income-generating rental property. The same type of agreement can exist between a parent and a child, sibling or close friend.
You should also get life insurance if you have other types of debt, such as debt insurance. Co-signed a student loan or a consumer loan debt to protect your co-signer from paying the entire bill.
Finally, business loans that are personally guaranteed by an individual or by business partners can lead to joint liabilities.
Individuals who have financial plans for the benefit of others
This is where the concept of life insurance comes into play, „closing the plan“.
For example, when I sit down with clients to discuss college planning for their children, we discuss, among other things, the types of schools the family is considering, the funds available for college savings, and the investment vehicles available to carry out the strategy (i.e. 529 plans, post-tax investments, etc.) and the investment schedule. Scenarios are then evaluated to determine the effectiveness of one strategy over another and a course of action selected.
Gerade wenn der Kunde der Meinung ist, dass wir alle bereit sind, werde ich hauptsächlich eine Lebensversicherung abschließen, um sicherzustellen, dass eine ausreichende Deckung zur Finanzierung des Plans besteht. Wenn einer oder beide meiner Kunden nächste Woche sterben, bedeutet Lebensversicherung, dass Mittel zur Verfügung stehen, um sicherzustellen, dass das College bezahlt wird – oder mit anderen Worten, der Plan ist abgeschlossen.
Das gleiche Abkommen würde in Bezug auf die Altersvorsorge zwischen Ehepartnern in Betracht gezogen. Der Punkt ist, dass, wenn Sie einen Finanzplan haben, der einer anderen Person als Ihnen selbst zugute kommt, eine angemessene Versicherung zur Erfüllung Ihrer Beiträge zu diesem Ziel ratsam ist, um sicherzustellen, dass der Plan im Falle Ihres vorzeitigen Todes ausgeführt wird.
Personen mit einer nachteiligen genetischen Veranlagung
Nicht oft erwähnt, aber mit einem genetischen Berater für eine Frau werde ich „sanft angestupst“, um Fragen zum allgemeinen Gesundheitsprofil nicht nur des Klienten, sondern seiner unmittelbaren Familie innerhalb eines Grades (d. H. Kinder, Geschwister und Eltern) zu stellen.
Wenn bestimmte Krankheiten wie bestimmte Krebsarten (z. B. Brust-, Eierstock-, Prostata-) oder Erkrankungen (Bluthochdruck, hoher Cholesterinspiegel oder Diabetes) auftreten, initiiere ich eine Diskussion über Lebensversicherungen, um nicht nur den Bedarf zu decken, sondern auch zum Zwecke von Sicherstellung der „Versicherbarkeit“ des Kunden oder der Fähigkeit, eine bezahlbare Versicherung abzuschließen und aufrechtzuerhalten, während er gesund ist oder keine potenziellen Symptome aufweist, die auf eine Vererbung solcher Krankheiten oder Zustände hinweisen könnten.
Individuals in an inherently risky profession
should seem obvious, but it is far too often that I walk into the homes of police officers, firefighters, correctional officers, and emergency responders only to find that many of them are severely underinsured. They are doing extremely dangerous work where the prospect of not coming home at the end of a shift is very real. Adequate coverage not only provides greater security for customers when they walk out the door, but also for their family.
