Why do we need life insurance?

Why do we need life insurance?

Life Insurance

Why do we need life insurance in the first place? Changing lifestyles have brought in new requirements and necessities. Do you have anyone dependent on your income? What if your income stops out of nowhere? Does your dependent have another source of survival? If something unfortunate happens to you in near future, will your loved ones and family be able to manage everything financially without you? If your answer to any of these questions is a ‘NO,’ you need life insurance.

Life insurance protects you and your family and dependents financially if something happens in the future. I have heard numerous hapless stories of people suffering drastically due to situations without any safety. For example, one of my neighbors who were doing great financially lost her husband in an unfortunate incident. She and her 3 kids had to sell their house, move to a very small place in a poor neighborhood, give up most of the things to start a new living for themselves. I hope nobody gets into a situation like that, but protecting your family is always a good idea.

Life insurance protects your family financially and provides them with finances and an amount of money that would help them have a good life even if your income stops. Planning the future is always a good way to ensure a good living for you and your loved ones.

health insurance

Health Insurance

Also, I want to talk about health insurance. Have you been in a situation where you have been on a tight budget and suddenly you come in front of a huge expense? Absence of health insurance can lead to a similar situation. You could have a major sickness that might need you to take consultation, medicines, and doctor visits. It could be very expensive in the United States. Medical treatment is one of the very expensive things in the US, and it is crucial you have coverage for the same.

Health Insurance is after all not that expensive!

Furthermore, an unexpected situation such as an accident or an injury may require you to undergo a lot of treatments. These treatments at the situation would be inevitable and might cost you all your savings and a lot of debt. Health insurance asks you to pay a very low monthly premium and in return it would pay for most of your medical expenses. If you do not think the monthly premiums are worth enough for a one-time incident, think it this way. You are paying as low as $12 per month for Obamacare which is $144. This is the amount that gives you coverage for any doctors visit throughout the year.

However, if you think you would save this amount instead and you do not need a doctor’s visit, going on a routine checkup is always recommended every year. If you simply get a regular blood test, routine dental checkup, and basic body checkup, you would recover this amount. Plus, this gives you security for any unfortunate incident or unwanted sickness.

Life insurance



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