How to use life insurance to help a special needs child or adult
从人寿pp王者电子官网到特殊需求信托, 在这里's what you need to know to keep your loved one financially secure.
If you live with and/or support a loved one with special needs, 规划他们的未来 is crucial — and part of that planning involves their finances. 生活 insurance for parents and guardians can help provide them with 金融安全, but t在这里 are a few things to consider as you choose the right 保单类型 满足你的需求.
回顾你的选择
而 定期人寿pp王者电子官网 对很多人来说是一种流行的、便宜的选择， 它会过期的 在你选择的一段时间结束时. This isn't an issue for people whose children or family eventually become independent and support themselves, but it can create a crucial gap in coverage when you have dependents who need long-term support.
终身pp王者电子官网 没有到期, 只要你付pp王者电子官网费, it will always be available when your family member needs it — potentially making it a better bet for long-term protection. 而 whole life insurance is often initially more expensive than 定期人寿pp王者电子官网, 从长远来看，这是具有成本效益的.
遗属万能人寿pp王者电子官网, sometimes called second to die life insurance, may be another option. These policies cover two people (typically parents) with a lower premium than what two individual permanent policies would cost. 除了支付能力, another advantage of survivorship universal life policies is their flexibility. 父母二人去世后, 死亡抚恤金的收益可以归你的孩子, 作为慈善捐赠, provide the funds needed to pass down a family business and more.
考虑特殊需求信托
Another thing to consider is how a benefit payout might affect any government benefits your loved one receives, 你不在的时候我来接你. 在某些情况下, leaving them too much money — in assets or as a beneficiary of your life insurance policy — may disqualify them from receiving certain government benefits. 为了防止这种情况发生, a special needs trust can be created to provide money for expenses not covered by government benefits.
特殊需要信托基金可以通过 人寿pp王者电子官网的使用. 可以使用前面提到的任何一种策略类型, though a survivorship universal life insurance policy is the most common when parents are the primary caregivers. 受托人, 或者在你死后管理这笔钱的人, can be anyone — but choose them thoughtfully and carefully.
沿途寻求帮助
Navigating between life insurance policies and government benefits can be difficult — and getting it wrong can leave your loved one in a tough financial situation — so it's good to ask for help along the way. 经验丰富的pp王者电子官网代理人 can discuss policies to protect your family and its unique situation. It's not a bad idea to consult an attorney and a financial professional as well. 甚至更好的, some financial professionals specialize in planning for families with special needs and can help ensure you've done all you can to keep your loved one secure for years to come.
