Why Life Insurance Should Participate?
Why Life Insurance Should Participate? - That afternoon I and my friends decided to play to the home of a school friend, let's call it A. Around two o'clock, the phone rang at home and reported that a friend of ours named Ida, was asked to go home because there are sick at home. Ida was rushed home accompanied by one of our own, while others continue to play. About an hour later, we heard the news that Ida was asked to go home because her father died. This incident shocked us all because of Ida 's father had been in good health and his age was 42 years.
After the death of his father, Ida became quiet. At first I thought Ida was still sad loss of his father. However, this situation continued until a year after his father died. Ida told me that his mother trouble financing their families. Ida 's father is the family's main provider, but it does not meninggakan property enough to support his family in the long run. During this time their lives are fine because the work of Ida 's father can meet the needs of the family, while Ida 's mother is a housewife who sometimes received catering orders from neighbors to contribute little in their family finances.
This event occurred 18 years ago. However, I still remember that lesson to this day. That age has its limits and we will never know when it's our turn to leave this world. People often asked that we prepare deeds for us to take it to the next. Rarely remember that there are families who need our care financially. When I asked, ready your family financially if you suddenly abandon them? Is your answer?
Well, it's never too late. It is time we look at the condition of their families and begin to analyze the situation . Are there family members who can not eat, can not the school, can not pay rent, can not pay electricity and others, if you are not there? If you answered yes, you'll want to prepare the family after the death of your financial condition. The trick? Have life insurance.
Simply put, life insurance is insurance that is issued a sum assured to the beneficiary if the insured, or the insured person in the policy dies during the coverage period. The amount of the sum assured and term duration of protection depends on your income and your individual situation. A head of a family with two school-age children and spouse who does not work of course require different protection to someone who is not married but her parents bear.
How long should a period of protection? The ideal time period of life insurance is up to the age of productive ends. For example, you are planning to retire at the age of 55 years and now you are 38 years of age, then you need life insurance protection for a period of 15 years. Although we want to live longer, we do not need life insurance because ideally we should prepare pension fund other than life insurance. Life insurance is just we need as we prepare a buffer for the active asset.
A person with a high net worth and can cover the family's needs for a longer period of such wealth , may not need life insurance even though they belong to the productive age. Because of its assets can be managed and used to meet the needs of the family even if that person has died.
If it turns out you need life insurance, make sure the insurance money or money spent by insurance companies enough to meet the needs of your family in a long period of time if the primary breadwinner died. Sum insured is too low will not be of much use for the long term.
Remember that the same money value will decrease in value in the future due to inflation . Simply put , the value of money one billion, fifteen years would be equal in value to U.S. $ 239 million today. While the sum assured that is too high will make it difficult for your current premium payment, then also consider this when you buy life insurance.
With a hard-fought, Ida family finally made it through the ordeal of their financial and drove youngest sister graduated from college. Currently Ida is married , has a child and life insurance in the name of her husband as he is the main provider of the family. Hopefully Ida experience can be a lesson for us of the importance of life insurance.
So, why is life insurance ? Why not ? !
After the death of his father, Ida became quiet. At first I thought Ida was still sad loss of his father. However, this situation continued until a year after his father died. Ida told me that his mother trouble financing their families. Ida 's father is the family's main provider, but it does not meninggakan property enough to support his family in the long run. During this time their lives are fine because the work of Ida 's father can meet the needs of the family, while Ida 's mother is a housewife who sometimes received catering orders from neighbors to contribute little in their family finances.
This event occurred 18 years ago. However, I still remember that lesson to this day. That age has its limits and we will never know when it's our turn to leave this world. People often asked that we prepare deeds for us to take it to the next. Rarely remember that there are families who need our care financially. When I asked, ready your family financially if you suddenly abandon them? Is your answer?
Well, it's never too late. It is time we look at the condition of their families and begin to analyze the situation . Are there family members who can not eat, can not the school, can not pay rent, can not pay electricity and others, if you are not there? If you answered yes, you'll want to prepare the family after the death of your financial condition. The trick? Have life insurance.
Simply put, life insurance is insurance that is issued a sum assured to the beneficiary if the insured, or the insured person in the policy dies during the coverage period. The amount of the sum assured and term duration of protection depends on your income and your individual situation. A head of a family with two school-age children and spouse who does not work of course require different protection to someone who is not married but her parents bear.
How long should a period of protection? The ideal time period of life insurance is up to the age of productive ends. For example, you are planning to retire at the age of 55 years and now you are 38 years of age, then you need life insurance protection for a period of 15 years. Although we want to live longer, we do not need life insurance because ideally we should prepare pension fund other than life insurance. Life insurance is just we need as we prepare a buffer for the active asset.
A person with a high net worth and can cover the family's needs for a longer period of such wealth , may not need life insurance even though they belong to the productive age. Because of its assets can be managed and used to meet the needs of the family even if that person has died.
If it turns out you need life insurance, make sure the insurance money or money spent by insurance companies enough to meet the needs of your family in a long period of time if the primary breadwinner died. Sum insured is too low will not be of much use for the long term.
Remember that the same money value will decrease in value in the future due to inflation . Simply put , the value of money one billion, fifteen years would be equal in value to U.S. $ 239 million today. While the sum assured that is too high will make it difficult for your current premium payment, then also consider this when you buy life insurance.
With a hard-fought, Ida family finally made it through the ordeal of their financial and drove youngest sister graduated from college. Currently Ida is married , has a child and life insurance in the name of her husband as he is the main provider of the family. Hopefully Ida experience can be a lesson for us of the importance of life insurance.
So, why is life insurance ? Why not ? !
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Insurance
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