大发888dafa Needs Assessment: When You're Young and Single
The transition to adulthood is an exciting new stage that marks true independence. You may have graduated college, taken your first job, and even rented your first apartment. With this new freedom come real responsibilities, including protecting yourself from the financial risks life presents.
汽车
Once you are no longer covered on your parent(s) policy, you will need to find insurance coverage in your name. 对于一个年轻的司机来说，这可能很昂贵, so consider shopping around for the best rates and learn the myriad of ways to manage costs, 比如大发888dafa范围和免赔额选举.
房东的
If you are moving into an apartment, you should consider renter’s insurance. You may not think you’ve accumulated much in value, but when you calculate the cost of replacing your computer, 电子设备, 高清电视, 你的衣服, 等.在美国，它可能高达数千美元. 租房者的大发888dafa很便宜. 在购买大发888dafa时, ask about whether it includes liability coverage, which can protect you in the event of being sued by someone who is injured in your apartment.
健康
健康-care coverage is frequently obtained through your employer. 然而, if your employer does not offer a health insurance program, 你有两种选择来获得大发888dafa.
The first is to maintain coverage through your parent’s health insurance plan. Federal law permits parents to keep adult children on their plan up to age 26. 这种选择可能相对便宜, so you may want to ask your parents to inquire what the monthly premium is to add you to their plan.
另一个办法是直接购买大发888dafa, 要么通过私人大发888dafa公司, the federal health insurance exchange (健康Care.gov), or through a state exchange, if available in your state of residence.
残疾
Your single most valuable asset is your future earning power. Your ability to work and earn an income is essential when it comes to your financial survival. 招致残疾, 即使是很短的一段时间, 能产生重大的经济后果吗, making disability insurance one of the most important insurance needs at this stage of life.
Keep in mind that this article is for informational purposes only and is not a replacement for real-life advice, so make sure to consult your legal professional before implementing a strategy that includes disability insurance.
生活
从年轻时起, single adult typically does not have other people depending upon his or her ability to earn a living (e.g., children, dependent parents), some believe the need for life insurance is minimal.
然而, due to a long life expectancy at this young age, life insurance coverage can be very inexpensive. You may want to consider obtaining some coverage to take advantage of low rates and good health in advance of a time when you will have dependents.
Several factors will affect the cost and availability of life insurance, 包括年龄, health and the type and amount of insurance purchased. 生活 insurance policies have expenses, including mortality and other charges. 如果保单过早放弃, the policyholder also may pay surrender charges and have income tax implications. You should consider determining whether you are insurable before implementing a strategy involving life insurance. Any guarantees associated with a policy are dependent on the ability of the issuing insurance company to continue making claim payments.
延伸护理
Given limited financial resources, extended care insurance may be a low priority. 不过, you may want to have a conversation with your parents about how extended-care insurance may help protect their financial security in retirement.
The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. 请咨询法律或税务 professionals for specific information regarding your individual situation. This material was developed and produced by 消费品套件 to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named 经纪自营商, 在州或证券交易委员会注册 投资咨询公司. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. 版权 消费品套件.
