Top Pick for Life Insurance for Adult Children: AIG
Top Pick for Life Insurance for Adult Children: AIG
QuickQuote.com's full list of the top ten providers with their best aspects is as follows:TAMPA, Fla., Oct. 31, 2024 /PRNewswire/ -- QuickQuote.com recently ranked AIG as their top overall pick for life insurance policies for adult children.
佛羅里達州坦帕，2024 年 10 月 31 日 /PRNewswire/ — Quickquote.com 最近將美國國際集團列爲他們的首選 成年子女的人壽保險單。
AIG received its top pick because of its budget-friendly policies, including its 28% discount for variable universal life insurance policies.
AIG之所以成爲首選，是因爲其經濟實惠的保單，包括可變萬用壽險保單的28％折扣。
AIG made top pick because of budget-friendly policies, including a 28% discount for variable universal life insurance.
AIG之所以成爲首選，是因爲其經濟實惠的政策，包括可變萬用壽險的28％折扣。
QuickQuote.com's full list of the top ten providers with their best aspects is as follows:
QuickQuote.com列出的十大提供商及其最佳方面的完整清單如下：
- AIG – Budget-friendly
- Erie – Customizable policies
- Bestow – Comprehensive coverage
- Liberty Mutual – Customizable options
- State Farm – Diverse options
- Guardian – Tailored policies
- Allstate – Additional benefits
- USAA – Diverse choices
- MetLife – Flexible security
- TransAmerica – Affordable options
- AIG — 經濟實惠
- 伊利—可定製的政策
- Bestow — 全面的保障
- 自由互助——可定製選項
- 州立農場-多種選擇
- 監護人—量身定製的政策
- Allstate — 其他好處
- USAA — 多種選擇
- 大都會人壽——靈活的安全
- 泛美—經濟實惠的選擇
Each company is best for a specific type of customer, so comparing quotes is essential to finding the best provider for each individual.
每家公司都最適合特定類型的客戶，因此比較報價對於爲每個人找到最佳供應商至關重要。
Case for Life Insurance for Adult Children
成年子女人壽保險案例
While it's true that in many situations, there's no reason for parents to buy life insurance for their adult children, it's sometimes recommended.
的確，在許多情況下，父母沒有理由爲成年子女購買人壽保險，但有時還是建議這樣做。
Parents invest in their children and often, those investments are monetary. For example, sometimes, parents spend $100,000 or more in a child's college education. They may lend their child money to buy a car or start a company.
父母投資子女，這些投資通常是金錢的。例如，有時，家長在孩子的大學教育上花費100,000美元或更多。他們可能會借錢給孩子買車或創辦公司。
Melanie Musson, a nationally recognized life insurance expert with QuickQuote.com, explains, "In these situations where parents have a significant financial interest in their adult children's lives, a life insurance policy makes sense."
梅蘭妮·穆森，全國公認的人壽保險專家 Quickquote.com，解釋說：「在父母對成年子女的生活有重大經濟利益的情況下，人壽保險單是有意義的。」
Getting a Live Insurance Policy for an Adult Child
爲成年子女購買人壽保險
People can't get a life insurance policy on anyone they want. For example, a life insurance provider will not write a policy for an average person to insure a celebrity's life.
人們無法爲任何他們想要的人購買人壽保險。例如，人壽保險提供商不會爲普通人開保單來保障名人的生活。
A parent must prove insurable interest to get a policy for an adult child. This step will be easy to accomplish if a parent can show that they've invested in or lent their child money.
父母必須證明可保權益才能爲成年子女購買保單。如果父母能夠證明他們已經投資或借錢給了孩子，那麼這一步將很容易完成。
Next, the parent will need the child's permission. Parents can't secretly take out a policy on their children; they will need signed consent.
接下來，家長將需要孩子的許可。父母不能祕密地爲子女訂立保單；他們需要簽署同意。
In many cases, the beneficiary will be the parent, especially if they are their adult child's next of kin.
在許多情況下，受益人將是父母，特別是如果他們是成年子女的近親。
Sometimes, the adult child's children or spouse will be named the beneficiary. In this situation, typically, the adult child pays for their own policy and names their children as beneficiaries.
有時，成年子女的子女或配偶將被指定爲受益人。在這種情況下，通常由成年子女自己支付保單並將子女指定爲受益人。
Read QuickQuote.com's entire ranking report here: Best Life Insurance for Adult Children in 2024 (Top 10 Companies Ranked).
在這裏閱讀 Quickquote.com 的完整排名報告： 2024 年最佳成年子女人壽保險（排名前 10 的公司）。
SOURCE QuickQuote.com
來源 Quickquote.com
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