保险需求评估:当你年轻和单身

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. 新的自由带来了真正的责任, including protecting yourself from the financial risks life presents.

汽车

一旦你不再受父母的保险保障, 你需要以你的名义投保. 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, 比如保险范围和免赔额选举.

房东的

If you are moving into an apartment, you should consider renter’s insurance. 你可能认为自己没有积累多少价值, 但是当你计算更换电脑的成本时, 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. 租房者的保险很便宜. 在购买保险时, 询问是否包括责任保险, 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保险.

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保险, 要么通过私人保险公司, 联邦健康保险交易所(医疗保健).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, 因为年轻时的预期寿命很长, 人寿保险的费用很便宜. 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, 健康状况以及所购买保险的种类和金额. 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.

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