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pynk_deville | Is life isurance important? |
life insurance costs less than most car insurance yet people think of it almost like a luxury as opposed to a necessity. as soon as i found out i was pregnant i inquired about life insurance and now i have it. i want him to be provided for if i die. i am not going to leave the responsibility to someone else for seventeen years. i am young and healthy (23). i would that more people started viewing it as it should be. i know people who have a time share but not life insurance and they either have debt and/or children. i am not venting i really want to know how to turn things around. i take life for granted too but people are dropping like flies and in the news and stuff even at young health ages.
i am unsure if i am wrong in my beliefs or if life insurance is important. i see it like this we pay into car insurance at least $1000 a year so why not life as well. |
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james m
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Good for you.
Life insurance is in reality "Love Insurance". People buy life insurance because they love someone and want to see that person, or persons provided for in the event of untimely death.
A lot of uninformed people think of life insurance as "death" insurance. But that's far from the reality of what it actually is. Life insurance isn't for the dead; it's for those who are living, and were financially dependent on the person who died.
A story is told of two young neighbor boys who were out playing one day. They began talking about their dads, and what their dads do for them. "Johnny" told "Billy" about all the things his dad had done, and even bought him a new bicycle. Well, "Billy" told "Johnny" that his dad loves him, and about all the things his dad had done for him, and that his dad buys him presents all the time. "Johnny" said to "Billy", "Your dad can't love you like that because he is dead". "Billy" said to "Johnny", "My dad may be dead, but he loves me and my mom so much that he still sends us a check every month".
That's Love Insurance.
Best wishes, and God bless. |
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Nancy G
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Your reasoning is spot-on. Life insurance is to provide sustenance to those who depend upon us for financial support. Life insurance provides this support if we die before their reliance/dependence upon us ends. In the past, life insurance was (primarily) a product marketed to men since they were (traditionally) the 'bread winner'. Those days are over. We are a culture of two-income families and life insurance is important for women also. Once your children are grown and independent, depending upon your individual situation, you can reconsider the need. In the meantime, be sure you don't get 'sucked in' to regular or 'ordinary' insurance. Rather, purchase a 20 or 30 year term policy. The cost will be significantly lower.
I applaud you! Good luck! |
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jpocia03
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Unlike a car, where someone knows they have to replace it over time. People feel as though "it will never happen to me".
Also, most people have some type of life insurance provided through there employer. It is a minimal cost, because life insurance is basically pooled risk.
Now, it is great that you have life insurance. What type?
Term, Variable, Universal Variable, Whole life, etc?
I believe this could be a reason people don't have it, is because it is not really understood. Not only that. But life insurance agents, make really good money on "selling" policies. So alot of people resent that as well.
Kudos to you! And congratulations on the pregnancy, I hope things go well for you. |
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Soozie Q
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I agree with you 100%. People don't want to think about the fact that they could die, they think it's morbid to buy life insurance. But as you pointed out, in reality, people die everyday in accidents and leave their families in a pool of debt. Just think about having to pay for funeral costs, much less in the long term such as mortgage, utilities, and college for your children! My husband and I both have it so our girls will be provided for if something would happen to one of us.
I would also suggest you go a step further and buy life insurance for your child, too. Now many people do think this is very morbid and won't even think of doing this, but I think its a no brainer. For example, I live in a small town and just last week, a 2 year old girl was killed in a auto accident. The town is having benefit after benefit and an account has been set up at a local bank to help this poor family pay for funeral costs. Can you imagine losing your baby, then having to worry about money? I can't, that would be the last thing I'd want to be worrying about. And I know that I wouldn't be able to go back to work for a very long period of time if something happened to one of my babies. I would want to return to work when I was ready and because I wanted to, not because I had to in order to pay bills. |
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mahesh.uttam
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yes it is bcoz it give protection to ur family |
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