40岁以后结婚的大发888dafa
When you marry, you buy life insurance.
正确的? You buy it out of consideration for your spouse, and also realize that in the event of either your untimely death or your spouse’s untimely death, your household could be left with one income to shoulder expenses that may not lessen.
These days, people are marrying later in life.
以第一次婚姻为例. A recent study by the 人口普查 Bureau says the median age for marriage in America is now 30 for men and 28 for women, compared to respective median ages of 23 and 20 in the 1960’s. Today, 16% of us are waiting until at least our late forties to marry.1,2
Maybe you are marrying after age forty, or thinking about it.
That might call for other insurance considerations besides having life insurance policy. Whether you are marrying for the first time or the second, 第三, 或者第四次, your earnings and net worth may be much greater than they were ten, 二十, 或者三十年前, and you also may have some age-linked or business-linked insurance priorities.
These are worth discussing on your way to marrying. Are you and your spouse set to run a business or professional practice? Is there a significant occurrence of dementia in your family history, 或者你配偶的家族史? 一种特别严重的疾病呢? These questions may seem tough to mull over as you approach the big day, but being pragmatic now might be wise for the years ahead.
Some of us will live very long lives, and possibly need assisted living someday.
Marrying at mid-life or later means giving serious thought not just to life insurance, but also to ways to insure extended care. The Social Security Administration projects that today, the average 65-year-old man will probably live to age 83; the average 65-year-old woman will probably live to age 85. Advances in 健康 care may mean even longer lifespans for those who turn 65 ten or 二十 years from now. A percentage of us may be so “above average” that we live past 100, and that percentage may grow with scientific breakthroughs.3,4
延长护理大发888dafa, or coverage that offers the potential to keep a household can be important in the marriage. It may be smart to have a life insurance trust created for the benefit of one spouse, or have one spouse own a particular policy.
Using a life insurance trust involves a complex set of tax rules and regulations. Before moving forward with a life insurance trust, consider working with a professional who is familiar with the rules and regulations.
Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, and the type and amount of insurance purchased. 生活 insurance policies have expenses, including mortality and other charges. If a policy is surrendered prematurely, 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.
Now is not too soon to think about these matters.
Looking into these different insurance coverages could be a very kind thing to do for your future spouse, 你自己, 还有你的婚姻.
1. 人口普查.政府,2021
2. 早安，美国，2021年5月24日
3. SSA.政府,2022
4. ScientificAmerican.网站，2021年5月25日
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