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What is life insurance?

umbrella_full_400Life is full of ups-and-downs and there are always risks that may happen to anyone anywhere. Life insurance is an ideal solution to provide financial protection to us and our family against such unexpected risks as death, disability and critical illnesses, etc.

Why do I need life insurance?

Life insurance helps to: :

  • Provide a replacement income for your dependents

    Being the breadwinner in the family, have you ever wondered what will happen if misfortune strikes? - Besides irrecoverable spiritual loss, how your parents, your wife and children will live without your regular income? - Will your children have enough money to complete their study and succeed in their career as you’ve wished? Life Insurance will not only give you the piece of mind that the replacement income will help maintaining your family’s standards of living but also ensure your dreams will come true.

  • Ensure your dream will come true

    Given the ups and downs in life, your dreams and important plans may become infeasible if misfortunes happen to you. Life insurance, as an alternative financial source, will help to realize your dream, should risks happen to you.

  • Pay for terminal expenses

    The proceeds from life insurance could be used to pay for terminal expenses such as funeral costs, and medical expenses not covered by health insurance. It can also be used to pay an unpaid mortgage, thus taking this burden from your beloved family when you are not around any more.

  • Leave a fortune

    Besides building up fixed assets, you can use life insurance as a savings vehicle to accumulate a sizeable heritage that you want to give to your beloved family.

  • Save in a disciplined way

    Life insurance helps to save in a disciplined way by paying regular premiums. For many people, this is the best way to save for medium and long-term goals because it helps you to avoid spending temptations and concentrate on your plan. Examples of such goals include: a new house, a new car, tuition and fees for your children’s tertiary education, retirement income, etc.

    As you can see, life insurance only of the person who is insured, it's for the insured's loved ones. Your family needs the guarantee of a comfortable financial future in the event that something should happen to you.