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