For most people, they always perceive Life Insurance as an expense with no clear and immediate benefits seen.

This thread aims to look at Life Insurance positively the way it should be understood and not the other way around.

Life insurance is a contractual savings program that addresses some future financial needs.

This way, life insurance serves as a Financial Protection or as an Income Protection for the family.

As long as the breadwinner is alive and kicking, and able to work, he can readily take care of his dependent's needs and maintain the standard of living the family has been used to.

However, knowing that sometimes, things don't go as planned, (i.e. death of a breadwinner), aside from emotional pain that we go through upon death of a loved one, there is financial disturbance in the family income.

After the death there are medical and funeral expenses to pay for, debts left behind by the breadwinner, other incidental expenses , not to mention the daily living expenses to take care of ...and if we are not prepared for these financial requirements...it leads to financial turmoil. And while the dead gets buried six feet below the ground...his family could get buried alive....in debts.

This is where life insurance comes in. By getting a coverage ahead of time, the proceeds from the insurance will serve as an Income Replacement or will temporarily replace the income lost when the income earner dies. Depending on the amount of coverage, the surviving family can make use of this amount as a stop gap measure while trying to adjust their lives without the breadwinner.

In the end, the people who will really benefit from the life insurance are your loved ones.

And probably, one of the concrete ways to truly say "i love you" to your family is to get you and your family protected with life insurance. Because it can be one of the means to support your family financially even after you have crossed-over to the next life.

No thread crapping and no cross-selling please.
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