3. In general, your employee provided group insurance is at least 2 times more expensive than a term insurance. Don't ask me why because that leads to a long discussion.
4. What you want to do:
a. determine your need of coverage ( what you need to earn towards major expenses, say you have 20 years to retire, and you are making 100k, then you need 2M coverage (actually less than that, because death benefits are not taxable.., so say 1.5M..).
b. determine the term (say 20 years).
1.5M 20 year term at starting age of 40 should be about 1000 dollars a year.
除了免费2x工资, 我自己又多买了几倍。但有人说这样不好，应该单独在外面买个term，有推荐的公司吗？买几倍工资比较合适？另外，娃快读大学了，学习不错，但有special needs，这种需要买多少年合适？
他很有可能会再读个硕士，时间就更长了。就是我家情况有点特殊，我不知道要买多少年，买多少钱。
决定一下家人需要多少钱再决定，没必要用外面的term，因为您在公司买的早，这类保险都是越年轻越便宜
是坐轮椅什么的？能自理的都不算什么吧。
1. I assume you are at least 40 years old.
2. I assume you are in good health.
3. In general, your employee provided group insurance is at least 2 times more expensive than a term insurance. Don't ask me why because that leads to a long discussion.
4. What you want to do:
a. determine your need of coverage ( what you need to earn towards major expenses, say you have 20 years to retire, and you are making 100k, then you need 2M coverage (actually less than that, because death benefits are not taxable.., so say 1.5M..).
b. determine the term (say 20 years).
1.5M 20 year term at starting age of 40 should be about 1000 dollars a year.
if you have 5m, you dont need it; in fact, you don't need to work neither...
我说了娃照顾自己没有问题，读书也没有问题，但是否能够找到工作养活自己不确定，也许过些年会更清楚些。
知道好几个硕士毕业，找不到工作的，只好去打低级工。工作需要语言等技能。
Male age 40, good health, 1.5M 20 yr premium $88 /month.
餐馆跑堂，给我锄草的，都是怎么活的？
说回来，对别人评头论足的人，最后也会对自己过于苛刻。知道有的中国人特别看不起别人丢工作，最后自己丢工作后特别沮丧。为什么啊？ 不歧视打低级工，自己孩子实在不行去打低级工，也没有必要过于忧虑。
比如说假如你现在40岁，孩子17岁，买一个30年的term保险，那时候孩子47了，你也大概率可以放心了吧。假设你65岁退休，那单位的保险就没有了，起码还有再多五年心安。
具体保额就看你想保证孩子有什么样的保障、减去孩子可能拿到的收入、你目前经济状况和已经购买的保险了。很多一两百万的保额很容易拿到的。 就看你需不需要那么多和premium如何。
也别太担心孩子的情况了。在家长的照料之外，孩子也许会有不错的生活的。祝好。
via GIPHY