How is your value of your life? Most of the time how much you value your life or how much you think your life is worth can be shown by how much life insurance have you had or bought. Everyday you go to work to earn money. Your ability to earn money is your asset. Money is a necessity of life. Without money, life is impossible. Life is fragile. Accidents and illness can happen anytime. What happen if one day, you cannot earn money any more?
If you have a hen which lays golden eggs everyday. Do you want anything to happen to the hen? The hen is your asset. In order to protect this asset of yours, you need to treasure it. You need to protect it. How? On your part, you have to take care of it, feed it with good food, maintain its good health by looking after its hygiene, make sure that it is not stolen and so on. But no matter how much you take care of it, still the hen will face some kind of unavoidable risk at some time or another. Then you would think of insuring the hen. Let the life insurance take over the risk management for you. In this way, the farmer can have a peace of mind, knowing that even if the hen dies finally one day, he is going to be compensated, for how much he had insured for the hen.
Similarly, in life, we are our own assets. Our life is our greatest asset. Without our life, nothing is possible. Dying is easy. You don’t have to suffer the pains of illness, the financial strains of paying huge sum of money for medical consultation if you die. However, most of the time, you only die after you suffer illnesses. When illness strike, you cannot work. You have to take rest and be looked after by someone else. Your earning potential will be gone. Where are you going to find money to support your life later on? Use your saving? How long will your saving last?
We have to be responsible as a human being. Take charge of your life. Foresee your future. You got to plan. Plan for your future. Saving for rainy days are important, just like animals who store their food for winter consumption later on. We work hard now while we can, save now for in the event of old age or illness strike/accident strike, and you cannot work anymore. As a responsible adult, you cannot always borrow money from your parents, from your relatives or friends and so on. Who do not need money? Everybody have their own problems. Doing your homework now, think of your future, what you want to do when one day such a thing happen to you?
We have to be responsible as a human being. Take charge of your life. Foresee your future. You got to plan. Plan for your future. Saving for rainy days are important, just like animals who store their food for winter consumption later on. We work hard now while we can, save now for in the event of old age or illness strike/accident strike, and you cannot work anymore. As a responsible adult, you cannot always borrow money from your parents, from your relatives or friends and so on. Who do not need money? Everybody have their own problems. Doing your homework now, think of your future, what you want to do when one day such a thing happen to you?
One of the best way is to protect your life now, while you can. Not all life insurance company will accept you at any time. While you are healthy, you are wanted everywhere. When you have illnesses, nobody will want to insure you already. When you are younger, you pay lower sum of money(premium) to the insurance company to insure for your life. When you wait until you are older, the more sum of money you are going to pay! Starting a life insurance plan early enables you to save more money in the long run. A life insurance policy not only protect your life, it is a saving instrument for you also. It also protects you, pay you a sum of money if you are strike with critical illnesses.
Though the saving elements in a life insurance policy is not great, however, it is still at a better rate compared with the bank. It is having a dual or triple or even more function — protecting your life, critical illnesses, disability, accidents and saving for you, all these depending on how you want your life insurance plan to be packaged.
Normally we do not want to be hassled or harassed by financial advisers who want to market their life insurance policies to us. We rather go online to check it out and do our own research on certain companies. Some companies now offer online insurance quotes. Getting insurance quotes online is very good for consumers. You can play with the figures and get something within your budget. You can play with it for no matter how long it is, at your own time and what’s more, with everything online, you can sit together with your partner or even your family, all discussing over how much they think your life is worth.
No matter you are getting your life insurance online or seeking the assistance of a life insurance adviser/Financial Adviser, getting your life protected is important. Make it your commitment, set aside a sum of money and save for your rainy days now. Protect your asset, protect your life.
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