Life Insurance – a protection against life’s uncertainties

           Nothing in life is more scary than facing the only non-negotiable thing of our life & that is death. To date, death is a certainty. Along with this mortality comes an unpredictable existence and a fear of the unknown. It is unnerving for people to think about the thought of their own death or the death of someone they loveThus you must be prepared at all timesIn today’s life, which is filled with unpredictable & uncertain events, where we are having so many responsibilities to be fulfilled in one life and there are people who are dependent on us for their happiness and comfort, protection of one’s life becomes inevitable because there is nothing more important than your family’s security. We cannot ensure that we will be with them in their time of need, but what we can ensure is that we put together a means for them in times of worry and need.

          It is a natural human tendency that beginning with the dawn of time, we use to protect our belongings. This natural instinct gave rise to the need for protection against most losses, which is how life insurance came about. Life insurance is the only answer to all such erratic & unpredictable events in humans life. Remember, it is not just your life you are insuring, but the lives of your loved ones as well. When we can ensure our homes, cars etc. then why don’t we feel the need to ensure the most important thing and that is Life. In this fast paced, fragile life style with less life span which we have today, insuring life itself has become a necessity especially if you are the sole breadwinner of your family. It is not mandatory; but you cannot afford not to have it ! Insurance helps us in getting protection against the unseen. Thus it may be wise to purchase life insurance so that if something happens, your life insurance policy could serve as a protective shield to those you leave behind. An old adage, “The grace of GOD is like insurance. It will help you in your time of need without any limit” is not just a cliché and is rightly said.

Life insurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a designated beneficiary a sum of money upon the occurrence of the insured individual’s death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount at regular intervals or in lump sums. Simply putting, it is a way to replace the loss of income that occurs when someone dies. It ensures that your family will receive financial support in your absence. It can be a great way to get protection for now and to plan for the future. After all, we want to make sure that our loved ones are taken care of if we die.

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Insurance has turned out to be a very common term in the recent times. You can come across this word wherever you go and which ever magazine or newspaper you read. In fact whenever you hear about insurance, some means of protection & security comes into your mind. It is essentially the means to financially compensate for losses that life throws at people.

Life insurance is one thing that everybody needs to believe about. Parents think about it for their kids, and once you are a grownup, it is some thing that you simply get taught about. Life Insurance is no longer for the privileged or only the elderly. It isn’t just for any one type of person. It is a universal protection for everyone. What life insurance does is provides protection for your loved ones in case of your death. If you have a life insurance policy in location and you pass away, that coverage may grant the cash to the beneficiary with the policy.

Life insurance isn’t for the benefit of the person who is insured, but it is for the insured’s loved ones because your family needs the guarantee of a comfortable financial future in the event that something should happen to you.

The primary purpose of life insurance is to enable your family to continue their current lifestyle when and if you’re no longer around. It is also designed to help meet specific needs that your family will have in the future.

 If you have a life insurance policy in place, it could:-

You would want the surviving members of your family to live in a safe and financially stable environment. Life insurance could allow them to do that so that your family continues to live a comfortable lifestyle as before. It will replace your lost income in the event that it goes away in the future. In other words, it creates a safety net of relief for the family that would be left behind without any other means of income.

Life insurance could pay for remaining medical bills, funeral expenses, and credit card debts, and enable the surviving spouse to have some time to find a job or to retire comfortably. Just imagine if you are suddenly out of the picture, you wouldn’t want to leave your family to drown in a sea of debt. There comes the life insurance coverage that will help your loved ones to maintain their standard of living.

An adequate life insurance policy will fund your unfulfilled goals like a quality education for your children, daughter’s wedding, for buying a piece of land, or just for a rainy day.

Thus it is not an insurance for you but its for your family’s peace of mind. Their future standard of living may well depend on the life insurance decisions that you make today.

Life insurance comes in many shapes and sizes, but the different types of life insurance policies can be broadly classified into two categories:

Term life insurance and

Permanent life insurance

is the insurance policy under which the death benefit is payable only if the insured dies during a specified period & this policy does not have any investment component. It is the most affordable type of life insurance available.It is designed to meet temporary life insurance needs; providing protection for a specified period of time, the term. This type of life insurance makes sense if you have financial needs that will diminish over time, such as a home mortgage or a child’s tuition.

Each year, a premium is paid to cover the risk of death during that year. Term life insurance has no cash value. The only way to collect anything is to die before the term life insurance expires. If death occurs, the life insurance beneficiary generally collects the death benefit of the life insurance policy, free of income tax.

is the insurance policy that provides coverage throughout the insured’s lifetime and may include an element that builds cash valueThis type of policy provides lifelong protection. It also provides a savings element that accumulates a cash value over a long period of time. In other words, this type of policy, combine life coverage with an investment fund. Here, you’re buying a policy that pays a stated, fixed amount on your death, and part of your premium goes toward building cash value from investments made by the insurance company.

No one type of life insurance is better than another because the type of life insurance that suits your situation best depends on your personal and financial circumstances.

You might have heard of the saying, “There are worse things in life than death. Have you ever spent an evening with an insurance salesman?”. If we go by the saying, if you haven’t yet met an insurance salesman, then speak with him today to get your & your family’s life financially stable & secured. Do not leave your family to drown in a sea of financial difficulties because we know that risks and uncertainties are part of everyone’s life & they are all waiting to happen.

 

Question by Princ3ssKourtney: Think my friend is dead?
I woke up thinking of an old friend of mine who I went to summer camp with. Her name was simonette king, and she would be about 21 yrs old. I tried to find her on Facebook but I couldn’t find her or her twin brother. I typed her name in Google and this came up “Document 48 :: Simonette King et al v. Aetna Life Insurance ” http://law.justia.com/cases/federal/district-courts/california/cacdce/2:2009cv09088/460836/48. This is the person I’m looking for but I’m not sure what it means. Was her family fighting for a life insurance pay out or a medical benefits payout? Plz help. I have no way of getting in contact with her family to find out for sure. I just want to know what this case means. Look it up if you can.

Best answer:

Answer by njyogibear
The court ruling says Simonette and her twin brother could not be put on their stepfather’s health insurance b/c he did not follow the proper procedure.

What do you think? Answer below!

“Que sera sera” Lyrics Ads. When I was just a little girl, I asked my mother, ‘What will I be? ‘Will I be pretty? ‘Will I be rich?’ Here’s what she said to me: ‘Que sera, sera, ‘Whatever will be, will be; ‘The future’s not ours to see. ‘Que sera, sera, ‘What will be, will be.’ When I was just a little boy, I asked my mother, ‘What will I be? ‘Will I be handsome? ‘Will I be rich?’ Here’s what she said to me: ‘Que sera, sera, ‘Whatever will be, will be; ‘The future’s not ours to see. ‘Que sera, sera, ‘What will be, will be. ………by AdminX (pantip.com)

22 comments to Life Insurance – a protection against life’s uncertainties

  • Mr. Tees

    Seems like a case of someone being dropped or not added to their stepfather’s insurance because he didn’t follow the proper procedure for adding them/keeping them on. It never says anyone is dead in fact it refers to the twins in present form as though they are very much alive in several parts.

    Not everyone is on Facebook I have several old friends from high school and college who aren’t but I know they are alive and well as I see them around town and call them from time to time. Even my best friend for the last 25 or so years doesn’t have a Facebook page. So not having Facebook is in no way an indicator that someone is dead.

  • DJ

    As others have said, this appears to be dealing with the twins being put on (or not put on rather) their fathers insurance plan. It does speak of them in present form, and suggests that they were likely present in the courtroom as well. Since this is dated July, 2011 at the very bottom, I think there is good reason to believe your friend is very much alive. Hope this helps 🙂

  • kerencl

    🙂 🙂 🙂
    This anwsers the q’s I’ve been asking. I guess what will be, will be. 🙂

  • SugarNguyen

    hi all! i have a question. who is the girl play piano? i want a few
    infomation about her. thank so much!

  • Dragonballgeek101

    I can handle this no problem!
    >watching it without tears like a boss
    >at the end the mother slowly frowns in realization
    >waterfall

    GODDAMNIT

  • pawlopascual

    Damn this thai commercials, I’m gonna die of depression and die again.

  • stefanuslegiman

    Seneng bangett….

  • buddy2eyes

    1st&2nd line at 1:54 it’s “Life is born and different, but can take care the best” 😉

  • livelive852

    I cried at 1:34

  • Dragonballgeek101

    I can’t stop watching this. I’m on my 10th time in 20 minutes.

  • danheboy

    even the producers’ team were like “oh my god. oh-my-god.”

  • sabi99vg

    🙁 I’m 11 😀 and from Philippines and Germany ( i live in Germany ) 😉
    This Video make me Cry and a little bit smile 🙂 🙁

  • JanisJo97

    its amazinq! Good luck in your life

  • amphreded

    My view: at first the mothers smile, proudly admiring the children’s singing. But as the song goes, they reflect upon current hardships and those to come – one can see worry upon their faces. However, the very lyrics “what will be will be” would consolate them, reaffirming the meaning of life, the strength one must carry towards the unseeable future for the ones we love. The closeup on the pregnant belly establishes a question for us – will this child be happy. One could only hope for the best.

  • ticerjessie

    @LovexxLoudxMusic
    try silence of love that make me cry alot

  • sinbadmanutd

    เศร้าสุดอะ แต่ละอัน Y_Y

  • LovexxLoudxMusic

    who eles at first were like oh hell a bunch of kids singing a song then realised that this kids were diasble and sick ,and the people in the crowd were probialy there parents thats when it got to me i just started to cry a little …. Such a beautiful video TT . TT

  • hellopipi

    That’s why i want to be an aboard student in Thailand. Thai is great in anyway!

  • Mamiao09

    เศร้า ๆ นะ อยากร้องให้ด้วย

  • MrSachlong112359

    11 people dislikes is no heart.

  • jadikanindah

    I am rewatching again this ads, hmm, so mesmerized!

  • Thejennilicious22

    “Que sera sera” I always say this to myself too,, when I feel down 🙂
    btw those kids are so pure <3

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