This report examines the best methods for calculating the right amount of life insurance and the key criteria for choosing a provider to ensure long-term financial security for family members.

本報告探討計算正確人壽保險金額的最佳方法，以及選擇保險公司的關鍵準則，以確保家庭成員的長期財務安全。

Calculating the correct insurance amount requires a personalized approach rather than following general industry rules, such as the common guideline of 10-15 times one's annual income. Sumit Ramani, an expert from ProtectMeWell.com, emphasizes that the policy length should match the primary earner's working years to act as a financial safety net. To determine the total coverage needed, individuals should add up their remaining loan balances, yearly essential expenses, and future costs, such as children's university fees. Furthermore, Nisha Sanghavi from Promore Fintech notes that medical history is an important risk factor to consider during this planning stage.

計算正確的保額需要採取個人化的方法，而非遵循一般的業界規則，例如常見的年收入 10 至 15 倍準則。ProtectMeWell.com 的專家 Sumit Ramani 強調，保單期限應與主收入者的工作年限相匹配，以作為財務安全網。為了確定所需的總保額，個人應將剩餘貸款餘額、年度基本開支以及未來成本（如子女的大學學費）相加。此外，Promore Fintech 的 Nisha Sanghavi 指出，醫療病史在規劃階段是一個重要的風險因素。

When choosing a product, there is a clear difference between pure term insurance and investment-linked plans. Investment plans have much higher premiums—sometimes 30-35 times more than term insurance over 20 years—because they attempt to grow capital while providing cover. Consequently, Ramani asserts that term insurance is the most cost-effective way to protect against the loss of future income.

在選擇產品時，純定期壽險與投資連結計畫之間有明顯區別。投資計畫的保費高得多——在 20 年期內，有時比定期壽險高出 30 至 35 倍——因為它們在提供保障的同時試圖增加資本。因此，Ramani 主張定期壽險是防範未來收入損失最經濟有效的方法。

Finally, the reliability of an insurance company should be checked using several metrics. Instead of looking only at the general claim settlement ratio, customers should check the settlement ratio by value to ensure that large claims are not being rejected. Other important indicators include the 13th-month persistency ratio and the reasons given for claim rejections. Additionally, adding riders for critical illness or splitting coverage between different insurers can further reduce financial risk.

最後，保險公司的可靠性應透過多項指標進行檢查。客戶不應僅查看一般理賠結算率，而應查看按金額計算的結算率，以確保大額理賠未被拒絕。其他重要指標包括第 13 個月續保率以及理賠被拒的原因。此外，增加重大疾病附加條款或將保額分散在不同的保險公司，可進一步降低財務風險。

In conclusion, consumers should move away from standard insurance packages and instead choose personalized, term-based coverage based on detailed company data.

總之，消費者應擺脫標準化的保險方案，轉而根據詳細的公司數據選擇個人化的定期保額。