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Dental Insurance
Dental costs are becoming an increasingly significant health
care expense and more and more people are making sure they are
protected against these costs with a dental insurance policy.
Dental insurance policies typically work in the same way as...
Life insurance fears following the London bombings tragedy
Following on from the tube train and bus bomb attacks in London there was a move from several UK insurance companies to reassure victims that claims would be processed “quickly and sympathetically”. This need for reassurance came in light of...
Memo To Myself - I Need Keyman Insurance
Last month I had to drive down to London. I don't like driving
at the best of times but the rain, spray and heavy traffic on
the M1 made conditions difficult. Radio 2 kept me company and
the heater kept me warm. Then I hit that queue - six miles...
Moneynet blasts high street travel agents for exorbitant insurance premiums
Moneynet blasts high street travel agents for exorbitant insurance premiums * Holidaymakers taken for a ride with ‘extortionate’ high street travel insurance premiums * Single trip premiums not regulated by FSA – consumers vulnerable * Buying...
Mortgage Life Insurance
Owning a home is a dream for most of us, although it is an expensive one. The monthly payments usually take up a big slice of our monthly income, and the sudden loss in the event of you or your spouse's early death may leave your survivors unable to...
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Life Insurance – Do You Need It?
Many people are skittish about life insurance, because they feel that it is useless, or it makes them face their mortality, or they may arrogantly think that they won’t die. But let me reassure you, life insurance is not only useful, but also essential if you’re young or old, or have a young family. Life Insurance should definitely be one piece of your financial portfolio.
BENEFITS OF LIFE INSURANCE
1)Protects your family – If you should die prematurely a life insurance policy will give your young family and spouse a financial buffer. The lost income can be devastating.
2)For children and young adults – accidents are a leading cause of death.
3)As you get older – it can help to defer funeral costs.
Life Insurance can help fill the gaps when you or someone you love passes away, as well as, helping to eliminate the stress and uncertainty of their future.
TYPES OF LIFE INSURANCE
There are different types of insurance, which can fit each individual’s needs and situations. The different types and explanation of each are as follows:
Term Life Insurance – Term life gives you coverage for a particular period of time. (Builds No Cash Value)
Whole Life Insurance – Whole Life can give you protection for your
entire life at a fixed rate. Whole Life builds up cash values, and in some cases, paid dividends.
Universal Life Insurance – Universal Life gives you more flexibility -- allowing you to adjust your premiums and to increase or decrease your death benefit.
Accident Insurance – Accident Insurance gives your family an income in the event of your accidental death.
To conclude, when I was younger, I felt that life insurance was a waste of my money. But that changed when I seen the results of what happens when a father of three young children died unexpectedly. He had no insurance to care for his three children. Not only did his wife and children have to deal emotionally with their loss, but it also left them financially crippled. From that moment on, I realized the importance of Life Insurance and what it can bring to my family – a financial safety net, and for me, peace of mind.
About the Author
Vickie J Scanlon has a BBA degree in Administrative Management and Marketing. Visit her site at: http://www.myaffiliateplace.biz for free tools, articles, affiliate opportunities, ebooks, and insurance info
Free quotes on auto, life, homeowners, health, business insurance at: http://www.myaffiliateplace.biz/Affiliate_Netquote
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