《人一生中需要的6张保单》 The 6 most important policies in life

《人一生中需要的6张保单》

The 6 most important policies in life

第三张保单：定期寿险 购房时

Third policy: Life insurance

当我们工作几年之后，手里已有了一笔不大不小的存款，再贷款一笔能承受的金额来买房、买车，生活水准会得到立竿见影的改善。但都市里的“负翁”越来越多，背着贷款过日子的压力实在不小，万一自己出了问题，谁来还那几十万甚至更多的银行贷款呢？

We would have some savings on hand after working for some years. We may get a loan to purchase house and car. If anything happen to yourself, who is going to pay the balance of the loan to the bank?

没有人担得起这个风险，因此要把风险转移出去。算算贷款金额总共多少，再买一份同等金额的人寿保险。比如贷款总额是60万元，就买一份60万元的寿险。万一出问题，有保险公司替还房贷，为家庭提供财富保障。

Your immediate family may not be able to handle this risk and so let the insurance company takes care of this. Calculate how much is your loan and get the same amount of life insurance. If unfortunate thing happens to you, let the insurance company helps to settle the remaining loan instead of your family.