保险需求评估:已婚有子女

A growing family, by definition, means growing financial obligations—both present and in the future. Raising children can increase your insurance needs and heightens the urgency for being properly prepared.

汽车

When a child becomes a new driver, one choice is to add the teenager to the parents’ policy. You may want to discuss with your auto insurer ways to reduce the additional premium that accompanies a new driver.

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You should periodically review your homeowners policy for three primary reasons.

A growing family generally accumulates increasing amounts of personal belongings. 想想每个孩子的玩具、衣服、电子设备等. 此外, 在此期间，家庭收入往往会增加, 也就是说珠宝, 艺术, 其他贵重物品可能会成为你不断增长的个人资产之一.

The second reason is that the costs of rebuilding—and debris removal—may have risen over time, 需要增加保险范围的.

最后, 随着财富的增长, 你可能需要提高责任保险, 或者如果你没有保护伞, 现在就考虑添加它. Umbrella insurance is designed to help protect against the financial risk of personal liability.

健康

With your first child, be sure to change your 健康 care coverage to a family plan. 如果你和你的配偶保留了各自的计划, you may want to evaluate which plan has a better cost-benefit profile. Think about whether now is the appropriate time to consolidate coverage into one plan.

残疾

If your family is likely to suffer economically because of the loss of one spouse’s income, then disability insurance serves an important role in replacing income that may allow you to meet living expenses without depleting savings.

The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 获取有关您个人情况的具体信息.

如果你已经有伤残保险, consider increasing the income replacement benefit since your income and standard of living may now be higher than when you bought the policy.

生活

With children, the amount of future financial obligations increases. The cost of raising children and funding their college education can be expensive. 配偶中有一方应该死亡吗, the loss of income might severely limit the future quality of life for your surviving children and spouse. Not only does death eliminate the future income of one spouse permanently, but the future earning power of the surviving spouse might be diminished as single parenthood may necessitate fewer working hours and turning down promotions.

The amount of life insurance coverage needed to fund this potential financial loss is predicated on, 除其他因素外, 生活方式, 债务, 儿童的年龄和数目, 以及对未来大学费用的预期.

Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, 以及所购买保险的种类和金额. 生活 insurance policies have expenses, including mortality and other charges. 如果保单过早放弃, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.

Some couples decide to have one parent stay at home to care for the children full time. The economic value of the stay-at-home parent is frequently overlooked. 全职父母应该死吗, the surviving parent would likely need to pay for a range of household and child-care services and potentially suffer the loss of future income due to the demands of single parenthood.

延伸护理

你越早考虑延长护理的选择越好. 然而, 财政需求更紧迫的优先事项, like saving for your children’s college education or your retirement, 如果资源有限，会优先考虑吗.

^{The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 获取有关您个人情况的具体信息. This material was developed and produced by love爱博体育app下载 to provide information on a topic that may be of interest. love爱博体育app下载不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. 所表达的意见和 所提供的资料仅供一般参考, 并且不应该被认为是对购买或 出售任何证券. 版权 love爱博体育app下载.}