Life insurance vs annuities
了解年金和人寿pp王者电子官网是如何运作的，可以让你更容易制定出适合自己需求的理财路线图.
在你达到退休年龄之前了解你的财务目标，一旦你接近退休，就更容易实现你的目标. 重点是:了解人寿pp王者电子官网和年金的区别. Here's what you should know.
How does life insurance work?
Life insurance 为那些对你最重要的人提供有价值的财务保护. A life insurance policy provides your beneficiaries with a cash payout when you pass away. 你所爱的人可以用这笔钱来满足他们的需要, including maintaining their standard of living, paying off the mortgage or funding education. In general, 你每月为人寿pp王者电子官网支付pp王者电子官网费(你支付的金额因几个因素而异), including the type of life insurance you own).
How do annuities work?
An annuity 你是否购买了一份pp王者电子官网合同，保证你在余生中每个月都能得到一定数额的钱. 年金的产生是为了在人们上了年纪的时候提供保护 consistent income stream they can rely on throughout their lifetime. 人们通常一次性投资，然后按月获得回报.
One way to think about an annuity 它提供了与之相反的保护吗 life insurance. Life insurance provides protection for loved ones when you die; annuities provide a guaranteed lifetime income for yourself, 也就是说你不会比你的财产或金钱活得久.
Life insurance details to know
Life insurance policies provide different options to choose from 当涉及到政策设计和覆盖范围时. Each policy type meets different needs. For example, term policies 在固定年限内提供有价值的保护(例如在抚养子女期间). Permanent policies (whole life and universal)提供终身保障及现金价值福利. 永久人寿pp王者电子官网也可能提供取款或以现金价值为抵押借款的能力. Knowing the difference between life insurance choices can help you make a decision. Determining how much life insurance you need can be difficult, but we have a life insurance needs analysis calculator that can help.
Annuities details to know
和人寿pp王者电子官网一样，年金也有不同的种类. Some are designed to begin providing a payout immediately. If you don't need the income right away, 递延年金可以一次性购买，也可以定期购买, 你也可以选择在未来的某个时间开始接收付款(例如, when you retire). 此外，了解你的支付选项也很重要. 例如，你将如何选择从年金中获得收入?
The life insurance vs annuities bottom line
许多人为了满足不同的目标，选择同时购买a和a life insurance policy and an annuity. Review the details of your financial plan; identify your goals, 了解人寿pp王者电子官网和年金的区别, 并考虑每一种方法如何对你和你所爱的人有益.
Get a quote for term life insurance -如果您对额外的人寿产品或年金感兴趣，请 contact a State Farm® agent.
