Get Life Insurance for Under $1 a Day!
Get Life Insurance for Under $1 a Day!
TAMPA, Fla., Aug. 30, 2024 /PRNewswire/ -- QuickQuote.com recently published its list of the 10 cheapest life insurance providers for low-income individuals.
佛羅里達州坦帕，2024 年 8 月 30 日 /PRNewswire/ — Quickquote.com 最近公佈了其清單 10 家最便宜的人壽保險提供商 適用於低收入人士。
Coming in as the number one cheapest provider is Bestow. Second is MetLife, and third is Allstate.
Bestow是排名第一的最便宜的提供商。第二是大都會人壽，第三是Allstate。
Each of these top 10 cheapest life insurance companies offers a first-year discount between 15% and 30%.
這十大最便宜的人壽保險公司都提供15％至30％的第一年折扣。
Life Insurance is Possible for Low-Income Families
低收入家庭可以購買人壽保險
Low-income people often have to stretch their finances to pay monthly living costs. In this situation, it's common to put off life insurance for a time when money isn't so tight.
低收入人群通常不得不伸出資金來支付每月的生活費用。在這種情況下，通常會在資金不太緊張的時候推遲人壽保險。
With these companies, buying life insurance can be a realistic opportunity even when people don't have much money. Each of these top 10 cheapest companies offers a first-year discount between 15% and 30%.
對於這些公司來說，即使人們沒有多少錢，購買人壽保險也可能是一個現實的機會。這十大最便宜的公司都提供15％至30％的第一年折扣。
Melanie Musson, a nationally recognized insurance expert with QuickQuote.com, explains, "Term life insurance is a critical protection for low-income individuals. These low-cost providers should be considered because some policies start at less than one dollar a day."
梅蘭妮·穆森，全國公認的保險專家 Quickquote.com，解釋說：「定期人壽保險是低收入人群的關鍵保障。應該考慮這些低成本提供商，因爲有些保單的起價低於每天一美元。」
Bestow Life Insurance
Bestow 人壽保險
Bestow offers policies up to $1.5 million. They offer policies online and advertise that individuals can get a policy in about 10 minutes instead of the several weeks it can take to get a policy from competitors.
Bestow提供高達150萬美元的保單。他們在網上提供保單，並宣傳個人可以在大約10分鐘內獲得保單，而不是從競爭對手那裏獲得保單所需的幾周時間。
On the downside, bestow doesn't write policies for people over 60 years old, so they're not an option for a large demographic.
不利的一面是，bestow不爲60歲以上的人制定保單，因此對於大量人群來說，它們不是一個選擇。
MetLife Through Employers
通過僱主獲得大都會人壽
MetLife offers policies through employers that are often subsidized by the employer, making them a cost-effective option for low-income individuals.
大都會人壽通過僱主提供保單，這些保單通常由僱主補貼，這使其成爲低收入個人具有成本效益的選擇。
The other perspective to that benefit is that MetLife doesn't write individual policies. However, they do allow policyholders to keep their policies even if they change employment.
這種好處的另一個角度是，大都會人壽不制定個人保單。但是，它們確實允許保單持有人即使換工作，也可以保留保單。
MetLife stands out because it offers living benefits and family grief counseling.
大都會人壽之所以脫穎而出，是因爲它提供生活補助和家庭悲傷諮詢。
Allstate Flexible Term Length
Allstate 彈性期限
While some life insurance providers offer a maximum term length of 30 years, Allstate offers policies with terms of up to 40 years. Since Allstate provides many lines of insurance coverage, they can offer bundling discounts.
雖然一些人壽保險提供商提供的最長期限爲30年，但Allstate提供最長爲40年的保單。由於Allstate提供多種保險，因此他們可以提供捆綁折扣。
Allstate life insurance policies are only available in some states, which limits their potential customer base.
Allstate人壽保險單僅在某些州可用，這限制了其潛在的客戶群。
Necessity of Life Insurance
人壽保險的必要性
Term life insurance is one of the best ways an individual can prepare for the worst. It provides the means to pay off debt and support beneficiaries in case of untimely death.
定期人壽保險是個人爲最壞的情況做好準備的最佳方式之一。它提供了償還債務和支持受益人過早死亡的手段。
Read QuickQuote.com's entire article here: Cheap Life Insurance for Low-Income Individuals in 2024 (Top 10 Low-Cost Companies).
在這裏閱讀 Quickquote.com 的整篇文章： 2024年低收入個人的廉價人壽保險（十大低成本公司）。
SOURCE QuickQuote.com
來源 Quickquote.com
譯文內容由第三人軟體翻譯。
