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Life insurance concept is that: most of us have financial responsibilities for our clients, who plan to meet our lives, especially those with whom children, elderly mother There are other people depending on the father or the other. But what if you die before completing these responsibilities?
But Life Insurance provides financial protection by giving you a huge amount of money to your loved ones after your deadly death so that when they are suffering from your sudden death, insurance is minimal financially vulnerable due to insurance. I will not get it.
Let us tell you how the insurance works. Suppose I go to a 29-year-old healthy, cigarette man, insurance company to take a policy of insurance policy, one of the initial questions after the insurance company, my age, health and other information will be asked about how many insurance Must
In other words, it would be said that if I die tomorrow, how much would I like to get my shepherd from the insurance company? Now, when I am a young, unmarried man, there is no dependence on me. Yes, I have a few loans remaining, then I will choose the amount equal to my total debt for insurance.
How policies should work and how to think about better policy choice for themselves.
Other people can choose the amount according to their needs. Of course, if you have a loan, they should also be included in the amount of interest. Add the total amount you are planning to save for children like education or retirement. Collect these funds and then find insurance that is sufficient for such a sum.
The insurance company will guarantee that your loved ones will be considered, and it is obvious that you will also have to pay for a monthly premium for this guarantee. Premium amount depends on different elements in which your age is less (less people charge less than people of older age), health (cigarette drinkers are charged more money). ) And the type of policy you are choosing (see more below).
It is obvious that many people, who take insurance, may die in a short or short period of time, so the insurance company makes money from the people who meet all the people. Premium sources like stock and bonds are investing in different sources. Lower families of those who die in death are paid with lovers paid by older people.
You may also understand that why some people are charged less than others. If you are under the age of your policy, your death is less likely before the policy term is over, while your age is likely to be in the policy period if you are older. And if you are accustomed to drinking cigarettes, you bring yourself closer to death more often than those who are purely cigarettes.
Now you will be thinking that what happens to my paid lovers if I do not die at the age of? Now we have come here where two different types of insurance are in front of us: First-Nationwide Life Insurance and Second Term Life Insurance.
In 'Universal Life Insurance', you actually pay for two things: First you get insurance for your clients in the form of death before your time. The other thing is the investment account, which is given in all the time. Deposits are collected. If you live up to your 60th birthday, you will get the amount of money in your investment account that can be a good amount of money.
You pay a lot of premiums in 'Term Life Insurance' but if you do not die and become 60, you will not get anything from the insurance company.
So why would anyone want to choose a term insurance? However, the first thing is that the term life insurance premium is very low compared to conventional life insurance. If the insurance amount is equal to both insurance types, you will have to pay Rs 500 a month for Term Life Life, whereas the annual Life Insurance has to pay 5,000 (or more) monthly.
The second major difference in them is the commission's commission. The premiums which are paid premiums in the first year of the Life Insurance Scheme, 75% and 90% of this agent get the agent who has a policy. Only after the second year you start collecting your investment. While considering the life insurance policy of more than 20 years or more, you do not expect more than one year commission, but it can even lower your profits beyond your thinking.
Of course my goal is not to advise which one of them is better. Here is my purpose to tell only what different features these two are. If you want the refund paid in payout or insurance policy is sure, you are pleased to use the insurance policy for the money-saving plan and are willing to pay the commission, then you will receive the Annual Life Insurance Should choose Terminal Life insurance will be the best choice if you just want protection from a sudden death and want to use mechanical funds and other sources for investment.
So what do you think of the first question: Should you have a insurance insurance? So you have to ask yourself one question: "Do you feel lucky for your life ....? ''
The purpose of this article is to provide information about sources of financial services only. This article does not mean to encourage sketchies or other types of financial resources or to recommend their purchase and sale. Readers should carefully take care of themselves before investing or taking a financial decision.
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