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Insurance in general is designed to protect you and your family from disasters and their financial consequences. There are many different sorts of insurance of which the basic and most important is considered to be life insurance which makes financial provision for your dependents after your own death.
Since there are certain financial commitments you have to meet throughout life you need also to provide something even in death to secure the family home, to assist the family to meet expenses for a while, to provide for dependent parents or to provide security for your spouse and possibly children.
These financial obligations might include such things as your funeral expenses, unsettled hospital and other medical bills, mortgages, business commitments and providing for the college expenses of your children.
Just how much insurance you need will vary depending on your lifestyle, income and financial needs, debts, and how many dependents you are supporting. As a general rule you should have insurance coverage that is five to ten times your present annual income.
As a vital part of your financial planning, whole life insurance offers you peace of mind for any of the uncertainties of life.
1. Life insurance correctly planned will provide funds in the event of early death to deal with debts, mortgages and normal living expenses. It offers protection for the family you leave behind and serves as a cash resource.
2. It provides security for your estate on death by providing a tax free cash sum which can be utilized to pay estate and death duties.
3. Life insurance plans can also have a pension or savings component which provides for you during retirement.
4. In some cases plans include riders like restrictions on the coverage of critical illness or term insurance for the children or spouse. There may be particular rules considering eligibility for riders which you will need to clearly understand.
5. In case of bankruptcy the cash value, as well as death benefits, of any insurance policy is exempt from creditors.
6. Having a valid life insurance plan is considered as having a financial asset which improves your credit rating when you arrange medical insurance or a home loan or business loan.
7. Term life insurance has double benefits as it provides protection for your spouse and children and you can get your money back at important points in your life.
8. Life insurance can be planned in such a way that it will cover even your funeral expenses.
9. Insurance can be used to protect your business from financial loss or any liabilities in case a business partner dies.
10. It can contribute towards maintaining your family’s life style when one contributing partner suddenly dies.
Insurance forms a vital part of sound financial planning but you would need to evaluate both your personal risk and your longer term commitments.