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Life Insurance
Insurance can
provide an excellent opportunity for you to meet many of
your goals while still protecting the financial security
of your loved ones. All life insurance policies have
some things in common-you make payments, called
premiums, to the insurance company. When you die, the
insurance company pays a death benefit to your
beneficiaries. Often, this death benefit is received
income tax-free.
Permanent life
insurance, however, can also provide a living benefit.
When you pay your premium, part of it goes into a cash
reserve and accumulates tax-deferred. You can generally
access this cash reserve at any time, for any purpose.
It can be used for things like education expenses,
retirement income, and many other needs. It also remains
in force during the insured's entire lifetime, provided
premiums are paid as specified in the policy.
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 covered 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 ( 5
) important reasons why YOU should have life assurance
and why those around you too should invest in this:
Reason 1
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 or your family in the street! 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 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 monetary 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?
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Is this your Retirement?  |
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