Because you're a parent, you go through lots of ups and downs for your family and try to prevent your children from feeling pain. It's the natural way of things, and it's sad to realize that you can't prevent the worst from happening. Happiness can turn to sadness in the blink of an eye. So we do the best we can to prepare for such an eventuality.Think about life insurance. There's no way in the usual scheme of things that you're going to be able...more
Choosing the correct life insurance policy does need due diligence. What may seem like a mammoth task, can be simplified by asking yourself- What are the goals that you want to achieve in life? What are your priorities- securing the future of the dependant family in worst case scenario of your passing away, child education insurance, marriage, buying a house, car, holiday abroad every year, supporting parents, retirement planning.Next step is to...more
Why Life Insurance? Any individual on whose income someone is dependant should take a life insurance to guarantee financial security of the dependant in case of untimely death or terminal illness of the earner. This is the key intention of a Life Insurance Policy. However, life insurance policies offer a plethora of choices securing not only the future of your loved ones but also your own by acting as investments thus providing for your financial needs like buying a house, marriage and post retirement needs. Life Insurance as Mortality Risk Cover: Often an income earner has others depending on him for financial needs, they maybe one"s children, parents or other family members. Life Insurance is a contract between the policy owner and the insurer company offering life insurance, to pay a designated sum to the beneficiary if death or critical illness of the insured occurs. Thus, life insurance is a way of providing a security blanket to those dependants in the unfortunate event of the death of the earner by ensuring for them an amount of money enough to meet all the needs and protecting them from financial hardship.Life Insurance as Investments: When you choose to take an insurance...more
Many time people notice various advertisements on TV, in magazines, or on the internet that buy term life insurance for a small amount of money a month. While these ads tend to use the very good rates for very low risk individuals, terms insurance policies are generally a low cost approach to buy a life policy for you. This is one of the reasons...more
Are you searching for an insurance plan that you could avail at a low price? Have no fear because inexpensive life insurance plans are now available in the market. For individuals who are conscious of a budget restraint, the possibility of an inexpensive insurance plan can be quite appealing. Term life insurance plan premium payments are often...more
This is a general guide on life insurance and is aimed at providing an introduction to this type of insurance. Once read the reader will have a good understanding for what type of life insurance they require to meet their needs. It is suugested that you seek independent life insurance advice from an insurance broker.What is Life InsuranceLife cover is an insurance product which provides a cash sum if the life assured were to suffer loss of life. The policy maybe taken either joint life first death or on a single life basis. The policy owner must pay regular premiums to the insurer. Unlike home or car insurance the policy owner is not taking out cover to protect a known valuable of tangible value. Rather the policy owner is protecting the family, mortgage or dependents from the consequences of the life assured suffering death. There are many variations of life insurance/life assurance, each having an alternative purposes for use.1. Level term insurance2. Reducing term insurance3. Whole of lifeTerm insuranceA type of life insurance were the policy owner receives cover from the insurance provider on the life assured for a specified number of years. The minimum term is usually 5 years,...more
You must have seen some promotions for term life insurance companies. They usually show a happy and smiling couple who just got a great deal on a new policy. The rates are usually very low. Are these real deals you can make for yourself, or should...more
In the event of your sudden death would your family be able to survive and carry on financially? For many families, the loss of the main wage earner would be devastating. That is why so many people choose to get life insurance. This type of insurance...more
One of the main choices you will have to make about your life insurance policy is whether you will go with a term or whole life policy. The differences between the two are important to understand since each one offers you something different. You...more
The importance of insurance seems to be unknown for many people in and around even today though being well developed and financially raised situation. If you are still searching or looking for the insurance company in which you can take your own...more
This articles describes the different types of trust available for your life insurance. Most insurance providers in the UK offer a free trust facility, you should seek advice to ensure you have adequate protection.What is a trust?A trust allows you...more
People often purchase a term life insurance policy because the premiums are considerably lower than those that they would have to pay for a permanent life insurance policy."Term insurance" is actually the most affordable way to purchase substantial...more
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