外国人如何在美国境内购买保险
在美外国人可以购买的美国境内的公司,总体上可分为两大类保单:
- 国际人士在美的医药及意外保险。(请参阅旅游保险类别)
- 国际人士在美的人寿及储蓄保险。
1.国际人士人寿保险之购买。
在美国的人寿保险公司,大小至少有一千七百家以上
中美财务保险事务公司之附属平华保险事务所在美国有29年历史,经美国Better Business Bureau评定为最佳AAA等级信用的华人经营保险经纪公司,可总代理国际医药与人寿保险
- 必须有外国有效入美签证及护照(如另加中国身份证)
- 携带本国由美国领事馆指定的医生及医院的个人病历记录. (最好有英文翻译本)
- 来美后至银行存入美金的户口证明。
只有以上三项俱全即可有平华保险经纪公司代申请国际人士寿险
以上只为保额二百万美金以下而设。如欲购买更高的保额
2.平华保险代理的人寿保险公司,是在美国立案的合法保险公司
所有公司均依照法律提拨部分资金为责任准备金,且每年必须向州政
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Why buy life insurance?
Many financial experts consider life insurance to be the cornerstone of sound financial planning. It is generally a cost-effective way to provide for your loved ones after you are gone. It can be an important tool in the following ways:
1. Income replacement
For most people, their key economic asset is their ability to earn a living. If you have dependents, then you need to consider what would happen to them if they no longer have your income to rely on. Proceeds from a life insurance policy can help supplement retirement income. This can be especially useful if the benefits of your surviving spouse or domestic partner will be reduced after your death.
2. Pay outstanding debts and long-term obligations
Consider life insurance so that your loved ones have the money to offset burial costs, credit card debts and medical expenses not covered by health insurance. In addition, life insurance can be used to pay off the mortgage, supplement retirement savings and help pay college tuition.
3. Estate planning
The proceeds of a life insurance policy can be structured to pay estate taxes so that your heirs will not have to liquidate other assets.
4. Charitable contributions
If you have a favorite charity, you can designate some of the proceeds from your life insurance to go to this organization.
How much life insurance do I need?
To decide how much life insurance to buy, you need to first figure out what your goals are in purchasing this coverage.
Ask yourself the following:
- Do I want to spare my loved ones funeral costs and outstanding debts?
- Am I concerned that my spouse or domestic partner will not be able to continue to pay off the mortgage if I die suddenly?
- Do I have dependents who count on my income?
- Am I concerned about college savings for my children or retirement savings for my spouse if I die suddenly?
While all situations are different, here are two scenarios to help you think through the questions you should pose to your insurance professional:
Dependents
If you have children, a spouse who does not work outside the home or aging parents who you financially support, you have dependents. Alternatively, you may simply have a spouse or domestic partner who would be unable to pay the mortgage without your financial contribution. In either case, your loved ones will no longer have your income to help them pay the bills and maintain their lifestyle after you are gone. You will have to purchase enough insurance to provide for their future, while considering how much of your budget should be devoted to life insurance.
Some insurance experts suggest that you purchase five to eight times your current income. While this may be a good way to begin estimating your family?s needs, you will also need to figure how much your dependents will need to pay for some or all the following:
- Cost of owning a home (mortgage, maintenance, insurance, taxes and utilities)
- College savings
- Food, clothing, utilities
- Child care
- Nursing home or elder care
- Retirement savings
- Funeral expenses and estate taxes
Your family may also need extra money to make some changes after you die. They may want to relocate or your spouse may need to go back to school to be in a better position to help support the family.
No dependents
If you are young and plan to have a family in the future, you may also want to consider purchasing life insurance now so that you can lock in a good rate.
Just because you don’t have dependents, does not mean you don?t have responsibilities. For instance, you may be concerned with not being an economic burden to others if you die unexpectedly. You may also want to leave some money behind to close family, friends or a special charity as a remembrance. In this case, you should purchase enough coverage to pay funeral and burial expenses, outstanding debts and tax liabilities, so that the bulk of your estate goes to your family, friends or charities.
Your insurance needs will vary greatly according to your financial assets and liabilities, income potential and level of expenses.