保险需求评估:当你刚刚结婚
婚姻改变了一切，包括保险需求. Newly married couples should consider a comprehensive review of their current individual insurance coverage to determine if any changes are in order, as well as consider new insurance coverage appropriate to their new life stage.
汽车
The good news is that married drivers may be eligible for lower rates than single drivers. Since most couples come into their marriage with two separate auto policies, you should review your existing policies and contact your respective insurance companies to obtain competitive quotes on a new combined policy.
十大彩票正规平台
新婚夫妇可能从租房开始, but they often look to own a home or condo as a first step in building a life together. The purchase of homeowners insurance or condo insurance may be required by the lender. 虽然这些政策有重要的区别, 它们的目的是一样的——保护你的家园, 个人财产, 用你的财产抵偿任何个人责任.
You should take special care of what is covered under the policy, 承保风险的类型, 以及承保损失金额的限制. Pay particular attention to whether the policy insures for replacement costs or actual cash value.
健康
Like auto insurance, couples often bring together two separate individual 健康 insurance plans. Newly married couples should review their 健康 insurance plans’ costs and benefits and determine whether placing one spouse under the other spouse’s plan makes sense.
残疾
Married couples typically combine their financial resources and live accordingly. This means that your mortgage or car loan may be tied to the combined earnings of you and your spouse. 失去一份收入, 即使是很短的一段时间, may make it difficult to continue making payments designed for two incomes. 残疾 insurance is designed to replace lost income so that you can continue to meet your living expenses.
Keep in mind that this article is for informational purposes only and is not a replacement for real-life advice, so make sure to consult your legal professional before implementing a strategy that includes disability insurance.
生活
Central to any marriage is a concern about the other’s future well-being. 在配偶死亡的情况下, a lifestyle based on two incomes may mean that the debt and cash flow obligations can’t be met by the surviving spouse’s single income. Saddling the surviving spouse with a financial burden can be avoided through the purchase of life insurance in an amount that pays off debts and/or replaces the deceased spouse’s income.
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.
责任
Personal liability risks can have a significant impact on the wealth you are beginning to build for your future together. Consider purchasing umbrella insurance under your homeowners policy to help protect against the financial risk of personal liability.
延伸护理
Extended care insurance may be a low priority given other financial demands, 比如为退休储蓄. 不过, you may want to have a conversation with your parents about how an extended care program may play a role in their retirement financial strategy.
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 消费品套件 to provide information on a topic that may be of interest. 消费品套件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 消费品套件.
