Term life insurance is part of your plan for providing financial protection for your loved ones, business or estate. There is not another form of insurance or a financial tool you can use that provides the value you get from term life. It’s inexpensive, simple to maintain and easy to purchase.
定期寿险是您为亲人、企业或遗产提供财务保护计划的一部分。没有其他形式的保险或金融工具能提供与定期寿险相同的价值。它价格低廉，维护简单，购买方便。
However, your family or your business only benefit if you die. And while that’s simply the nature of life insurance, it’s not exactly the most desirable trade off. Wouldn’t it be nice if term life policies offered benefits while you were still living?
然而，您的家人或企业只有在您去世时才能受益。虽然这正是寿险的性质，但这并不是最理想的交换条件。如果定期寿险在您生存期间也能提供一些福利，那该多好呢？
Living Benefits
生前福利
Living benefits are exactly what the name implies. They are benefits paid from the term life policy while you are living. More commonly, they are known as accelerated death benefits. With these benefits, the life insurance company pays or advances a portion of the policy’s death benefit to you to pay for care or treatment. The company will then pay the balance of the death benefit to your beneficiary(s) if you were to die.
生存福利正如其名，是在您生存期间从定期寿险保单中支付的福利。更常见的说法是加速死亡福利。通过这些福利，保险公司会支付或提前支付保单死亡赔偿金的一部分给您，用于支付护理或治疗费用。如果您去世，保险公司会将剩余的死亡赔偿金支付给您的受益人。
Limitation to Accelerated Death Benefit
加速死亡福利的限制
It’s important to understand that there are some limitations you need to understand with these types of benefits.
重要的是要理解这些类型的福利存在一些限制。
It’s a good idea for you to get an understanding of these benefits before you purchase a policy. You don’t want to wait until a critical illness occurs to learn how your policy works.
在购买保单之前，了解这些福利是个好主意。您不希望在发生严重疾病时才了解您的保单如何运作。
Give us a call to determine if this is a good fit for you.
请给我们打电话，以确定这是否适合您。