如果考虑父母，我觉得你不需要保到85，但是10年又有点短，可以考虑20年 或者30年term Life。这样不需要每年很多钱。如果保到85后面的保费会贵很多。而且你也不需要。 决定好了以后去各大保险公司查一下大概保价，然后挑便宜的去进行。 给你几个参考概念。 https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp “Typically, the premium amount increases on average by about 8% to 10% for every year of age, according to Ted Bernstein, Director, Life Insurance Concepts Inc.3 “A 45-year-old male will pay on average $1,125 for a new, 20-year term policy with $1,000,000 of coverage,” he says. “The same policy purchased at age 46, will cost $1,225—and $1,345 a year if purchased at age 47.” The reason every year inches up the cost of term life insurance is simple math. “Every birthday puts you one year closer to your life expectancy and thus, you are more expensive to insure,” says Huntley. He estimates that rates increase every year by 5% to 8% in your 40s, and by 9% to 12% each year if you’re over age 50. ” https://www.nerdwallet.com/article/insurance/whole-life-insurance How much does whole life insurance cost? In general, whole life insurance is more expensive than term life insurance. This is because it usually lasts your entire life and offers cash value growth, plus commission fees might be rolled into your total cost if you purchased the policy through a life insurance agent. For a healthy applicant buying a $500,000 policy at 40 years old, the annual cost of whole life insurance is $6,997, compared with $335 for a 20-year term life policy. But whole life can be a good fit if you need lifelong coverage and want a guaranteed return on the policy’s cash value. » MORE: The cost of whole life insurance, and why it’s so high Age Average annual rate for men Average annual rate for women 30 $4,690 $4,143 40 $6,997 $6,122 50 $10,800 $9,508 60 $17,735 $15,517 70 $30,462 $27,398 Source: Quotacy. Lowest three rates for each age and risk class averaged. Valid as of Sept. 14, 2022.
这个只能看你自己的需求。楼主也说的很清楚，Term没有太多的其他费用，就是保死亡。所以Term就看你自己想保多少年。保到85几乎接近Whole Life了，保费会高很多，如果是每5年调整费用，特别是最后几年保费会涨的很厉害。看你自己需要不需要。
我觉得那是自己的问题。 对方给你看一个最好看的。 自己应该看guaranteed, most likely scenario. 我同意保险经纪不道德的销售行为。但是消费者起码要把documents 读清楚了。 比如前面有一位说经纪说交10年的premium. 结果她一直在交。这个肯定是没把documents读清楚的原因。
谢谢。我主要就是用来保死亡的，其他的也不需要。 我的顾虑是85这个如果每5年涨，等下一个5年的时候，会不会涨很多，比如45岁的时候。 主要是想给父母留点钱，万一我不在了，好歹他们还有点养老钱。要到了70，父母估计也不在了，这个保险对我而言意义也不大了。
如果考虑父母，我觉得你不需要保到85，但是10年又有点短，可以考虑20年 或者30年term Life。这样不需要每年很多钱。如果保到85后面的保费会贵很多。而且你也不需要。 决定好了以后去各大保险公司查一下大概保价，然后挑便宜的去进行。 给你几个参考概念。
https://www.investopedia.com/articles/personal-finance/022615/how-age-affects-life-insurance-rates.asp “Typically, the premium amount increases on average by about 8% to 10% for every year of age, according to Ted Bernstein, Director, Life Insurance Concepts Inc.3 “A 45-year-old male will pay on average $1,125 for a new, 20-year term policy with $1,000,000 of coverage,” he says. “The same policy purchased at age 46, will cost $1,225—and $1,345 a year if purchased at age 47.” The reason every year inches up the cost of term life insurance is simple math. “Every birthday puts you one year closer to your life expectancy and thus, you are more expensive to insure,” says Huntley. He estimates that rates increase every year by 5% to 8% in your 40s, and by 9% to 12% each year if you’re over age 50. ”
https://www.nerdwallet.com/article/insurance/whole-life-insurance How much does whole life insurance cost? In general, whole life insurance is more expensive than term life insurance. This is because it usually lasts your entire life and offers cash value growth, plus commission fees might be rolled into your total cost if you purchased the policy through a life insurance agent. For a healthy applicant buying a $500,000 policy at 40 years old, the annual cost of whole life insurance is $6,997, compared with $335 for a 20-year term life policy. But whole life can be a good fit if you need lifelong coverage and want a guaranteed return on the policy’s cash value. » MORE: The cost of whole life insurance, and why it’s so high Age Average annual rate for men Average annual rate for women 30 $4,690 $4,143 40 $6,997 $6,122 50 $10,800 $9,508 60 $17,735 $15,517 70 $30,462 $27,398 Source: Quotacy. Lowest three rates for each age and risk class averaged. Valid as of Sept. 14, 2022.
补充一下，不用担心买了30年或者20年的保险，然后父母在这中间去世的，怕后面的保费白交了的情况。 即使你买了30年的，如果中间父母过世了，你不再需要这份保险，你直接停缴后面的保费。你的保险合同就中止了。
停保就亏大了
你这些年交的的cost of insurance 很大一部分是用于保生命的最后几年 Aka guaranteed insurability
我是打算买term，为了万一我出了啥意外，给我父母留点钱养老，不是为父母买保险。 也不是为了最后几年的。
Term也一样 前几年的保费是在补贴后几年的保费 停保就亏大
？？term不是想停就停了么？反正只保死亡，也不保疾病。
愿意吃亏可以停
前几年的保费是在补贴后几年的保费 停保就亏大
比如说第一年保你你还年轻其实只需要$100 第二十年保你你老了需要$1000
保险公司会让你平均每年交$550
要是交了一年就停了 就相当于你亏了$450
Life的精算这两年才兴起的？我二十年前上学的时候就有认识的人做life精算。你张口就胡言乱语。你当真不是老鼠会的？