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Business Insurance – And What You Need To Know
Getting your business up and running is exciting, challenging and hard work. You’re finally making money – and you are the driving force that is making your business grow. But have you taken care of the “What ifs”. Like – “What if I get sick, how do...
Insurance for those owning Kit Cars, Classic or Imported Cars
Car insurance policies can be perplexing as there are a number of insurance companies offering different types of insurance coverage with different policies. Nowadays the UK insurance companies have broadened themselves to guard against almost any...
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...
Seniors can use a Reverse Mortgage to fund Annuities, Investments, and Insurance Policies.
For many seniors in or entering retirement, the prospect of purchasing long-term care, investments or annuities can be cut short by a lack of retirement income. Statistics show that 3 out 4 seniors will have to lower their current standard of living...
Why Income Protection Insurance Makes Even More Sense To Employers
It is interesting how group income protection is rising in
popularity by the day in the corporate world. It just goes to
show that the protection of an employee's income is important to
both the individual and the employer. In fact in some cases...
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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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