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Monday, October 29, 2012

The value and importance of life insurance

The value and importance of life insurance: Why life insurance is important?. This is the fundamental question before we get into our current material, the answer is simple ... Since man lives his life at risk, namely:
The risk of dying too soon
The risk of living too long
The risk of illness, disability, accident.
One thing for sure is that every person on earth must die world.And no one know and can prepare for when he will die ..
 

Instead people who receive the gift of longevity would be fun.
But if long life but is not supported by good health, then it is not really a happy thing, but the opposite.
Also in the lives of everyday people can not be separated from the risk of illness, disability, either by accident or disease, such as decreased organ function.
All types of risk associated with financial life.
Life insurance will not replace the soul of the deceased, not to heal the sick, or return defective.
Life insurance is a way of diverting the risk of financial loss in the natural person to the insurance company, in other words, the economic losses resulting from the risks will be covered by life insurance companies.
 
The goal is to reduce the financial losses incurred due to live at risk occurring.
This is the importance of life insurance. 

Life insurance is not purchased because of all the dead, but because we are heirs, should live and live life without having to go down lifestyle.
The risk of dying too soon
A head of the family, that meets all the needs of the family, died too soon, of course, have a significant impact on those left behind, both psychological and economic impact, because revenues that were previously available to the head of the family is still alive, will be lost because of the risk of life.
Life insurance also will cover the economic impact.
The risk of living too long

t is a happy thing when in Balance with good health, but if it is not supported by good health, then it becomes a risk to life that requires no small cost and will be a burden on the people around us, for example, children, etc..
Risk of total disability
It also includes one of the risks covered by the insurance company.
Of course when one is defective, it can not do the job properly, which will have an impact on his lost income.
So it will be a burden to those around us the family.

The conclusion is, life insurance will replace the losses incurred because of the risk of life that occurred customers.
The question is when the risk of life will occur??? Of course, no one knows. 

It will be rainy conditions can be predicted by looking at the dark clouds, strong winds, and so on, but the risk of life not giving signs of when it will happen.
Life insurance policy is like a spare tire in your car, when your car tires to burst? .. Obviously we do not know, but you always carry spare tires.
Imagine you are traveling out of town by a considerable distance, without a spare tire, what do you feel? anxiety would not it?
Therefore, living without insurance is like carrying a car without a spare tire,,, always madly in anxiety ...
Similarly, a glimpse of the importance of life insurance ... Hopefully useful.











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