Sab saum toj 6 Yog vim li cas vim li cas neeg Ntxub Yuav Xav Muas neej Insurance Txoj cai

Rau ib tug nruab nrab American, muaj ob txaus ntseeg kawg nkaus yam hauv lub neej - txoj kev tuag thiab se; tab sis Funnily txaus, life insurance can provide relief from both of these factors combined. Rau nkawv noj, no piece yog tsis yog hais txog yuav ua li cas ntiav neej kev tuav pov hwm tiv thaiv tiv thaiv tus raug nyiaj txog kev tuag thiab se thaum koj nyob nraum ploj mus - peb yuav xyuas tias nyob rau hauv lwm daim soonest, tab sis qhov no yog hais txog yog vim li cas feem ntau cov neeg tsis xav mus yuav lub neej muaj ntawv kho mob thiab yog vim li cas nws coj ib lub sij hawm ntev ua ntej koj ua tau yuav ib tug heev.

Buying Life Insurance Policy

1. Cov neeg ntxub dab tsi muag los ntawm cov neeg ua hauj: Yog, kev tuav pov hwm neeg ua hauj lawm txoj kev ua koj mus yuav lub neej kev tuav pov hwm los yog lwm yam zoo ntawm kev tuav pov hwm thiab lawv siv sij hawm los mus piav qhia lub tswvyim thiab cov kev pab rau koj - uas koj ntxub vim hais tias koj xav hais tias lawv yog "lag luam" tej yam rau koj thiab sim mus yuam koj mus ua ib nrog ib co nyiaj ... tsis muaj, ua rau koj mus nyuaj nrog cov nyiaj txhua txhua lub hli los yog xyoo - vim hais tias thaum lub sij hawm lawv muaj lub siab tawv mus nrog lawv tham txog koj txoj kev tuag, tej zaum koj yuav tsis tuag; thiab koj xav hais tias npaj rau koj cov me nyuam tsis yog lawv ua lag ua luam.

2. Sib tham txog hais txog koj tau txoj kev tuag no yeej tsis nthuav: Nws yog tiag ntshai thiab txawm kev txhawj kev sib tham nrog ib tug neeg txawv txog koj txoj kev tuag, thiab muaj yog tsis muaj tsis uas tseeb. Tsis muaj ib tug xav los tham txog nws txoj kev tuag thiab xav txog dab tsi yuav tshwm sim rau nws tsev neeg thiab hlub nyob rau hauv cov kev tshwm sim ntawm nws txoj kev tuag, ces nws txo nws hwj tawm noj tej yam dab tsi rau lub neej kev tuav pov hwm kom txog thaum "ib tug ntau tsim nyog" lub sij hawm uas tej zaum yuav tsis tuaj - tshwj tsis yog tias prodded los ntawm ib tug neeg sawv cev dua.

3. Ntau lub neej kev tuav pov hwm cov khoom: Cov neeg muas zaub zoo li lub tswv yim ntawm muaj kev xaiv, tab sis tsis tau qhov twg lub neej muaj ntawv kho mob yog muaj kev txhawj xeeb vim hais tias nws yog kiag nrog heev me ntsis kom meej sib txawv. Piv txwv li, rau ib tug American, muaj tej zaum yuav lub sij hawm kev tuav pov hwm, tas mus li kev tuav pov hwm, tag nrho lub neej, universal lub neej, sij hawm ntev kho mob, lo tuag, ib qho tseem ceeb mob kev tuav pov hwm, kev tsis taus kev tuav pov hwm, nce mus nce los khoom, muab qhab-nees thiab hloov, guaranteed nqi, nyob kev pab, rov qab los ntawm premium, cov kev cai rau 5,10,20,30, los yog rau lub neej kev pab them nqi - tag nrho heev ruam mus rau ib tug tej zaum cov neeg.

4. Txhua yam hais txog kev tuav pov hwm yog ceev, thiab nyuab: Uas yog qhov tseeb, kev tuav pov hwm neeg ua hauj lawm muaj ib txoj kev qhia kom koj ua rau nws ceev thiab koj txawm ntxub mob qab cov khoom. Koj xav paub ntau npaum li cas pov hwm koj yeej xav tau kom koj tsis txhob overpay los yog them rau kev pab them nqi los yog cov khoom uas koj yuav tsis tau, thiab koj tsuas muaj mus nrhiav ib txoj kev kho koj tsev neeg nyiaj txiag kom haum raws li lub pov hwm txoj cai.

5. Lub neej muaj ntawv kho mob cov nqi ntau heev: Koj nyiam qhov tseeb hais tias koj cov me nyuam yuav saib tau ib tug pob thiab txaus nyiam sum rau li koj cov kev tuag, tab sis koj xav paub vim li cas koj yuav tsum them npaum li ntawd nqi rau lawv muaj xws li ib tug kev pab thaum koj tuag.

6. Koj tsis cia siab rau kev tuav pov hwm lub tuam txhab: Koj ntshai lawv yuav quav li tom qab koj twb tau them nqi rau zoo li 10 xyoo; koj kuj xav hais tias tej zaum lawv yuav tsis them li thaum koj tuag thiab ces ua rau koj cov me nyuam raug kev txom nyem; koj txawm xav hais tias tej zaum lawv yuav them tsawg tshaj li tej yam lawv tau cog lus tseg rau koj, thiab hais txog.



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