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How Much Protection Does Your Family Need? A Buyer's Guide to Life Insurance

机译：您的家庭需要多少保护？人寿保险购买者指南

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摘要

Life insurance can be one of the most important purchases you make for your dependants. Your own family's circumstances have to be taken into account when deciding how much coverage is required. To assist in determining how much coverage 'as your family's needs, here's a step by step approach based on advice from the insurance experts at Manulife Financial.First, consider your family's immediate needs. How much would they need to pay for funeral expenses, medical expenses, will probate costs and estate taxes? Second, add the amounts necessary to pay your family's outstanding debts, including the mortgage, car and personal loans, and credit card balances. Third, add an amount to cover your family's future needs, estimating the income necessary to allow your dependants to maintain their standard of living.
机译：人寿保险可能是您为受抚养人购买的最重要的物品之一。在决定需要多少保险时，必须考虑您自己家庭的情况。为了帮助确定您的家庭需要多少保险，这里是根据Manulife Financial保险专家的建议逐步采取的方法。首先，考虑您家庭的紧急需求。他们需要支付多少丧葬费，医疗费，遗嘱认证费用和遗产税？其次，添加必要的金额以偿还您家庭的未偿债务，包括抵押，汽车和个人贷款以及信用卡余额。第三，增加一笔可满足您家庭未来需求的金额，估算使您的家属维持其生活水平所需的收入。

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