Why we have to have insurance ?

This is a good start, if it turns out at one time this question come to mind. Each should have a reason before doing a thing, to be precise : What is the benefit I am doing this reply ?In this context, of course, we adjust the topics discussed. What insurance benefit for us. Why do we need to have insurance, why should We buy insurance ? OK, lets us suppose. To easily understand we assume you are interested in life insurance. Actors in this post you, not me. And, it is assumed you do not have a life insurance policy yet.

Imagine that tomorrow you die. Sorry, we just wish, thought not closed to this possibility, for anyone, anytime, ready or not ready.

Imagine the spirit you are still around the house, at least in the next week see what happens. What does your wife ? Hoe the fate of the children ? Maybe after a day of their funeral was at home, weeping over the departure of you and are diligently praying for you. A week passed, if your wife works, at least vacation is over. The children to school without saying good-bye again with you. If the wife does not work, of course he had started taking care of the rest of the savings or deposits to the bank. Especially, if the only financial instrument that you leave it as an assets, please read : testaments. Thankfully if you leave a testament to the hundreds of million. If not, perhaps under US $ 50,000 ?

Then, with that much money, maybe the children continue their education? We assume the minimum cost of living today US $ 10,000 for one month. Means the wife and your children only able to survive for at least 6 months to meet his needs, including education. After that, to cover the cost of living, might have sold the remaining property that is.....you do not have the heart to take shelter if the house would sell, so we close the story here....

So, what insurance benefits ? of course, provides protection for your family. You've bought the house and leave the savings ? Yeah, where is. After all, you love saving money been spent or house sold. Insurance, in this case, life insurance, useful for protecting or protect. What is covered ?Assets or wealth, which means financial security for your family, whit a note, if you, as head of the family and providers are pass away. Insurance can help the family finances without having to sell assets or use the savings if you've pass away.

Well, how much should we have? Depending on the amount you plan to do before. If the policy is worth US $ 20,000 or 50,000 ,yes, you must dare to set in the heart that premiums are paid monthly is savings. This means that you must dare to force yourself to set aside part of your income to pay insurance premiums, as a manifestation of adeep love for your wife and kids.