为预期做准备
As Teddy Roosevelt once observed, "Old age is like everything else. 要想成功，你必须从小就开始."
The challenges seniors have met throughout their lives have made them wiser and stronger, preparing them for the unique challenges that come with aging.
随着年龄的增长, 认知能力下降的可能性增加了, 从简单的健忘到痴呆. Long-term illness can sap time and energy from tending to your financial affairs in retirement. Even a decline in vision may make it harder to manage your financial affairs.
幸运的是, you can look ahead to help protect yourself and your family against the financial consequences of deteriorating 健康, 在很多情况下, 保险可能会发挥重要作用.
Let's examine some of the ways you can employ insurance to help protect your financial 健康.
医疗成本
For some, 健康care costs represent a larger share of their budget as the years pass.
认识到这, you may want to consider Medigap insurance to cover the expenses that Medicare does not, 哪一种可以快速累积. You also might want to consider some form of extended-care insurance, which can be structured to pay for nursing home and home 健康care services—two services that Medicare doesn't cover.
管理财富
The involvement you have with managing your investments may change as you age. For many seniors, that sort of day-to-day responsibility is unattractive and even untenable.
If that's the case, you may wish to consider what role annuities can play. Annuities can be structured to pay you income for as long as you live, relieving you of the concern of outliving your retirement money. Certain annuities even offer extended-care benefits, which allow you to address two concerns with one decision.1
转让遗产
如果你像许多高年级学生一样, you have a strong desire to leave something to your children, 孙子, 也许是最受欢迎的慈善机构. Through the use of life insurance, you can pursue these objectives. 例如, life insurance can be used to create an estate or to equalize an estate transfer among your heirs.2
保险 will never be able to prevent the 健康 issues that come inexorably with age, but it can be used to mitigate their potential financial consequences.
1. The guarantees of an annuity contract depend on the issuing company’s claims-paying ability. 年金有合同限制, 费用, 和费用, 包括帐费和管理费, 基础投资管理费, 死亡率和费用, 以及可选福利的收费. Most annuities have surrender 费用 that are usually highest if you take out the money in the initial years of the annuity contact. Withdrawals and income payments are taxed as ordinary income. 如果在59岁半之前提款, a 10% federal income tax penalty may apply (unless an exception applies).
2. Several factors will affect the cost and availability of life insurance, 包括年龄, 健康, 以及所购买保险的种类和金额. Life 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.
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