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Life Insurance - 5 Reasons You Need One
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A "bad credit home loan" can help you climb your way out of debt and get you started back on the road to upstanding, good credit. There are many lenders who are willing to make bad credit home loans to you - a loan based on your equity in your home even if your credit has slipped or isn't as perfect as it could be. By taking out a bad credit home mortgage or home equity loan, you can consolidate a... Read article
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Life Insurance - 5 Reasons You Need One
Life Insurance. Doesn't it just conjure up some insurance salesman knocking on your door trying to sell you a policy that covers you for accidents only, for a small amount and costs you the earth? No? It doesn't too me either because those days are long gone!
I prefer to call it "Life Assurance" anyway, because it is assuring you that your life is convered in the event of death and that what your life is insured for, will be paid out to your estate or policy owner.
But how many of you actually have this cover in place? I know of lots of my friends, who are in their 20's who don't have the cover because 1) they don't know anything about (lack of education) and 2) they don't think they need it and see it as an extra cost. How little they know... like anything, the earlier you start, the cheaper it is...
Following are 10 important reasons why YOU should have life assurance and why those around you too should invest in this:
Reason 1
Hello? Do you have any bills, like maybe a mortgage?? This alone is a pertinent reason to have life assurance... it means that should you die, this major bill will be paid off and not left to your survivors to deal with!
Reason 2
Young, fit and healthy? No ailments? Then this is the best time to get life assurance! Your premium will be small and if you take out a policy that allows you to keep the same premium until the age of 65, you will have considerable savings... the earlier you start, the better. And then if you develop any health issues throughout your life, it doesn't matter, because you already have the cover in place!
Reason 3
Are you married? Do you care about your spouse? Then is it not thoughtful to make sure that your spouse does not have to worry about money should you pass before they do and vice versa? I know a couple who cancelled their life insurance and then 6 months later he was diagnosed as having stomach cancer, and died 18 months later... leaving behind a wife and two children still at home and a mortgage... and no monetry relief for his family. Is this what you want to put your partner through?
Reason 4
Want to leave a legacy for your future grand children? What better way then ensuring your estate will actually have some legacy to pass on! You can elect in your will to have the proceeds of your life assurance paid directly to your estate and then as per your will, divy up the proceeds.
Reason 5
Peace of mind... yours that is. If you can't afford health insurance or any other insurance, you can afford life insurance... and should you develop a terminal disease... your life insurance will pay out a lump sum upon confirmation of this, allowing you to fulfil any dreams you have not achieved or to get your affairs in order.
There are many more reasons I could go into here, but you get the gist... just like you wouldn't risk not having your car insured or your house or contents... how can you not insure your number one asset... yourself?
There are plenty of fantastic financial advisers out there. If you don't have one, a great place to start is your bank, they have trained staff that can guide you... just make sure you read through any quotes you receive etc and make sure you understand just what you are being covered for.
My 2 cents worth :-)
Kat Beechum is a passionate writer. Much of the inspiration for Kat's work comes from her varied and many interests and hobbies.
Kat lives in New Zealand with her partner and their two cats, Cooper and Phoenix.
If you found this article useful, please visit http://www.money-or-excuses.blogspot.com
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How to choose an insurance company
Here's a riddle for you: It's out there for your cars, trucks, motorcycles, and even motor homes. They have it for your doctor visits, your little football player's broken arm, and your handyman husband's fall off the ladder. You can get it for theft, fires, and falling trees. It's not always required, but it's always good for peace of mind. What is it?
It's insurance, and it's everywhere, as are the insurance companies that sell it. Before you start searching for various insurance policies, though, you should consider this advice about choosing an insurance company:
1. Decide what kind of insurance you're looking for. Health? Life? Car? Homeowner's? Any combination of the above? If you choose the latter option, you need to begin your search for an insurance company by looking for one that specializes in more than just one kind of insurance. Since most insurance companies offer discounts when you purchase more than one insurance policy from them, purchasing two or more policies from the same insurance company can help you save money.
2. Do your homework. Shop around and check out several different insurance companies. Then, narrow that group to the three or four that best suit your needs. Once you have those chosen, research each company by checking out ratings from independent research companies as well as your state's insurance bureau.
3. In the end, choose a company that's going to allow you some wiggle room. Many insurance companies allow you a window of time in which you can cancel your policy, no strings attached. This window allows you a bit more time to read over what you've purchased, and think about whether it is really want you want and need.
There are probably as many insurance companies out there as there are used car dealerships, and just like those dealerships, they want your business. Take the above advice and choose the right insurance company for you.
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Life Insurance - 5 Reasons You Need One
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