保险需求评估:空巢老人和退休人员
现在孩子们都出门了, financial priorities become more focused on preparing for retirement. 在这个阶段, you may very likely be at the height of your earning power and fast approaching peak savings as you lay the groundwork for retirement. During this final leg to retirement—and throughout your retirement period—wealth protection is critical.
The preservation of your assets may not be solely a function of your investment strategy, but may include a comprehensive insurance approach to protect you against an array of financial risks, 尤其是医疗保健.
除了财富保护, you can also now be seriously contemplating a number of important estate and legacy objectives.
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Even though your mortgage may be paid off—and thus released of the lender’s requirement to have homeowners insurance—it remains important to consider coverage against property loss and exposure to personal liability. Now is an ideal time to review your policy as the cost of replacing your home and the belongings contained therein may have grown over the years.
也, 考虑伞状保单, which is designed to help protect against the financial risk of personal liability.
健康
There are several key health insurance issues facing empty nesters and retirees.
If you retire prior to age 65 when Medicare coverage is set to begin, you will need coverage to bridge the gap between when you retire and when you turn 65. 如果你的配偶继续工作, you may want to consider getting yourself added to his or her plan, though you may need to wait until the employer’s annual enrollment period.
Alternatively, you also may purchase coverage through a private insurer or through 健康Care.Gov(或你所在州的项目，如果有的话).
一旦你参加了医疗保险, 你应该考虑购买医疗保险的D部分, 联邦医疗保险处方药计划, 哪一种方法可以帮助你节省处方费用.
另外, 你可能需要考虑其他医疗保险, which is designed to pay for medical care not covered by Medicare. Medigap plans are bought through private insurance companies and best purchased within the first six months of turning age 65 in an effort to get the best price and the most choices.
残疾
这个保险可能会持续到你退休. 当你停止工作时, you should consider canceling your disability insurance as the need for it has expired.
The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 获取有关您个人情况的具体信息.
生活
The financial obligations that drove your life insurance needs while you were raising a family may have evaporated. 然而, 你可能会因地产问题而有新的需要, 比如流动性, 创造遗产, 等.
Several factors will affect the cost and availability of life insurance, 包括年龄, 健康状况以及所购买保险的种类和金额. 生活 insurance policies have expenses, including mortality and other charges. 如果保单过早放弃, 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.
延伸护理
For some, extended care insurance is a priority in this stage of life. 以牺牲孩子为代价, you can now turn your focus to buying protection against potentially the most significant health-care expense you are likely to face in retirement.
设计用于支付慢性病, 长期疾病和定期护理, 无论是在家里还是在养老院, extended care insurance coverage is critically important since most of these costs are not covered by Medicare.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务专业人士 获取有关您个人情况的具体信息. This material was developed and produced by love爱博体育app下载 to provide information on a topic that may be of interest. love爱博体育app下载不隶属于指定的经纪自营商, 国家或证券交易委员会注册的投资咨询公司. 所表达的意见和 所提供的资料仅供一般参考, and should not be considered a solicitation for the purchase or 出售任何证券. 版权 love爱博体育app下载.
