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Life Insurance Explained
In the world today money is the most essential necessity of an
individual's life. It is almost impossible to dwell without
money. This is why a person tries to earn maximum possible
during his lifetime to provide a decent living to himself and
his family. But what if the sole earning member in a family
dies? Who will provide financial aid to his family and how?
Though there are quite a few answers to it such as will, leaving
a legacy behind etc. But the best and foremost option meant for
the high as well as the low is a life insurance policy. A life
insurance policy as the name suggests not just insures your life
but is also the smartest and the most far-sighted way to secure
life of those whom you love.
Any individual can take a life insurance policy. In case of
children, their parents are supposed to pay the premium. There
are policies for different amount. The premium also varies
accordingly. A life insurance policy for $50,000 will be charged
higher than one for worth $25,000. But besides these the premium
also depends on many other factors. The topmost is the age of
the individual. A 70 year old man will be charge with a higher
premium than a 30 year old individual. Also lesser quantity of
risks will be covered in case of the former in comparison to the
latter. Alongwith age the occupation and lifestyle of the policy
taker also matters a lot. A person who throws his life into
danger daily (for example one who is a sky-diver) will have to
pay more premium than one leading a simple life. Moreover an
alcoholic,
heart patient etc. will find his life insurance
policy to be more expensive than a strong and healthy individual
of the same age.
It is always the choice of the individual which insurance
policy to take and from where. This depends on the needs and
aspirations of the individual. for instance a person who is
supposed to be survived by 5-6 successors or beneficiaries,
usually opts for a policy with a good sum of money.
Broadly there are 3 different forms of life insurance policies.
1. Whole life policy- this policy is one where the amount of
premium the policy taker requires to pay does not alter with
time. The amount of the premium id decided once at the time of
taking the policy. This type of insurance enables the policy
taker to have some cash-build up during his lifetime that can be
either used during the course of the policy or after his death
to increase the benefit.
2. Term life insurance begins with low premiums initially. the
premium amount increases with the age of the person. since there
is no cash build up in this policy, there are no chances of an
increment in death benefit.
3. Variable life policy is akin to the whole life policy i.e.
the premium is fixed once and for all. The only difference here
is that in this policy there should be cash build up as long as
the various mutual funds the policy taker has opted for, do
well.
About the author:
Mansi gupta writes about best life insurance
quote .
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