Sunday, November 16, 2008

Life insurance helps you and your family in dire phase.

By Todd Martin

One of the many uncertainties in this world concerns our health. We never actually know how the cards will fall. Although we all expect to live long and healthy lives, fate can deal us a different hand. This is why we have to prepare ourselves and those we leave behind. Finding the right life insurance company which can offer a good life insurance policy like term life insurance is not a simple task. Whether we want to pay a monthly fee for the mere possibility of a disability or accident involving our health, we hardly have a choice. Life is just too unpredictable. The first time I was approached by a life insurance company by mail, I tossed it in the trash without a second thought.

A couple years down the road, my father asked me if I had thought about life insurance. My response was, "Why would I?" After all, I was only in my early twenties. What was the big deal? I had a good sixty years left. While most of us probably react to the notion of life insurance in this manner, we really should prepare ourselves. Only a few years later, I chose a life insurance company through a friend who recommended them. The representative was very personable and understood what my wife and I were looking for. A prime factor in choosing a life insurance policy was my daughter. Once you've reached that point of having a family, it's always good to plan for the future.

We need that helping hand when the occasion arises. Do you have any idea what three days in the hospital will cost you? Most people don't, but it can really set you back. Especially when we're young, we hardly take the time to find affordable health insurance. I look back when I was in college, and I could have cared less to check who had the best rates. I wasn't interested in health insurance at all. Why would I be? I was only 20 years old. This is a common mistake made by many of us. The cold, hard truth is that you'd better be prepared with some kind of health insurance.

For example, a close friend of mine in college was suddenly hospitalized. She didn't know what was wrong with her, but she was suddenly ill. After the doctor checked her out, she found out that she had meningitis. Yikes! Well, she didn't have health insurance. This ended up costing her over seven grand. It took her a good time to recover that amount of money, which could be termed as loss of time. Had she taken up an insurance policy, she could have saved that money. No matter if you're young or old, it is always wise to check into health insurance.

Well, if you stipulate this type of insurance with your company, you can receive a disability policy. We hate to think that this could happen, but we truly never know. A good place to begin your search for a life insurance company is the Internet. You can find a variety of plans and quotes that should best fit your concerns and income. In reality, we can never be certain of the future, therefore it is always prudent to plan ahead. One must always plan for his or her future. Life insurance is a must for every individual. - 16651

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