Why do we stand to gain hold a life insurance? The
main reason is very simple: do not let his family in need after his death. And
generally to offset the sharp drop in household income, the life insurance can
leave money to your family. Thus, your spouse and children will not be
disadvantaged by the time the estate settlement happen. This insurance allows
you to build a strong family protection from your majority.
How to subscribe?
You must complete a medical questionnaire or an
affidavit of good health with your insurer. After accepting it you will pay a fee,
usually monthly, to be determined by the amount of the security that you want
and your age. Then just specify the person you want to name as beneficiaries.
Ensure one to the other
Ideally, it is advisable to open a contract on behalf
of each spouse, partner or civil union partner. It will offset the loss of
income of the survivor.
Also personal protection
In addition to death protection, you can cover an
additional risk of invalidity. In case of total and irreversible loss of
autonomy, the principal will be repaid directly to meet expenditures.
Life insurance and life insurance
If the result remains the same, namely the payment of
a lump sum to your beneficiaries, the principle itself is different. These are
two complementary insurance.
With life insurance, you save money on your own you be
a revalued annually capital you can have in your lifetime. The balance will be
paid to your beneficiaries after your death.
Death insurance does not allow withdrawal of money,
but offers a guaranteed death benefit that you have set, and regardless of the
amount of your contributions. The main condition is that the payment of your
age at death. It varies depending on the conditions of the contract.
The outcome of the contract
The lump sum will be outside the estate. The purpose
of this contract is to pay you the capital quickly to meet urgent needs, such
as funeral expenses, for example.
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