买房子

你最近买房子了吗? 你打算买一个吗? 学习如何使用抵押保护策略  人寿保险 from New York Life can protect your family and investment.

作为一个房主, you have so much to look forward to: exploring the neighborhood, 结交新朋友, and creating memories your loved ones will cherish for the rest of their lives. That's a future worth protecting—and that's why this customized solution makes so much sense.

Mortgage protection helps make sure that the people you love can remain in the home they love, even if you pass away before the mortgage is paid off.


想看看它是如何工作的?

这段简短的视频会帮助你开始.

想看看它是如何工作的?

这段简短的视频会帮助你开始.      

Since you never know when the unthinkable will happen, mortgage protection from best365亚洲版手机版 uses a combination of 人寿保险 products to make sure your loved ones will always have enough cash on hand to keep up with the payments or retire the mortgage.

Tips for protecting your family’s home and future.

01

给自己一些时间来重建你的应急基金.

If your down payment came from savings, you may need additional protection while building it back up.

02

按揭还款只是个开始. 

Be sure to factor in other expenses such as property taxes, utilities, and maintenance fees.

03

贷款人喜欢现金价值.

Should you ever need to refinance, banks consider the cash value of life insurance an asset.

04

并不是所有的保险都便于携带.

If there’s a chance you will move, make sure you can take your mortgage protection with you.

05

一些抵押保护产品支付给贷款人.

You may want benefits to go directly to your loved ones so they can decide how the money is used.

为您的未来定制best365亚洲版手机版

best365亚洲版手机版 offers mortgage solutlons with two layers of protection. 

  1. 短期人寿保险.
  2. Long-term insurance 选项 for the full length of your mortgage.

对住房所有权早期的保护.

定期人寿保险 offers customizable short -term and mid­term protection — so that you can afford maximum protection when your mortgage balance is highest.

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保护你今天和明天的投资.

抵押贷款的长期best365亚洲版手机版.

81% of adults agree that buying a home is the best long-term Investment In the U.S.*  That's why we made sure our mortgage protection solutions include a layer of long-term protection such as 终身人寿保险 or 万能人寿保险.

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完整的抵押保护等等.

best365亚洲版手机版's mortgage protection solutions provide peace of mind and flexibility to customize your own policy. You can add riders, adjust your coverage, and take your policy with you if you move. 探索我们的全套 人寿保险 选项. 

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多学一点总是有用的. 看看这些有用的见解.

抵押贷款保护常见best365娱乐官方登录

While both are important, the two have very different objectives. Homeowners insurance protects your property against physical loss or damage, and mortgage protection from best365亚洲版手机版 uses a combination of 人寿保险 products to make sure your loved ones have the money needed to retire your mortgage or keep up with the payments if you pass away.

一句话:灵活性. Our mortgage protection solution is unique because it gives you the freedom to customize it to meet your specific needs. 和, 不像大多数贷款机构赞助的计划, benefits are paid directly to your loved ones (not the mortgage-holder), 所以他们可以随心所欲地使用这笔钱.

机会是, your need for financial protection will change over the course of your 15—30 year mortgage. Most homeowners need more protection during the early years—when their loan balance is highest—than they do later when their home equity begins to rise. That’s why this solution provides two layers of protection:

1. Temporary term 人寿保险—so your family has more protection during the early, 拥有住房的关键年份.

2. Your choice of long-lasting 人寿保险 policies (whole life or universal life) to cover the entire length of your mortgage—and possibly longer.


*皮尤研究中心:“市场正在复苏, 黑人住房拥有率急剧下降, 年轻的成年人," 2016.