Useful insurance companies life Proving Useful for All
To refresh your memory, we will tell you that we have already commented on other occasions in this blog that it is essential to take out insurance in the right place, since it is proven that life insurance offered by banks is much more expensive. (normally linked to mortgages), although we have also explained how to unlink them. In short, you no longer have an excuse to have this poorly resolved, because it is very important, you have to protect your family, not your bank, and now we are also going to give you keys to guide you in this world.
What is life insurance and what is it for?
The first thing
to know is what is life insurance? "He who covers the contingency of
disability or death of a person in exchange for the payment of a premium",
what is life insurance for? , and the answer is that it is a service that you
should hire to sleep better. Like taking melatonin!
Is life insurance mandatory?
Only if you have
a loan, usually a mortgage, in that case the bank will require it and also that
you make them beneficiaries until the credit is covered. Those who do not have
a mortgage will not have a legal obligation, but they will have a
"moral" obligation because you protect yours if something happens to
you (and it is not more expensive than the annual expenditure on melatonin to
sleep well!)
How much capital do I insure?
The minimum is
what is necessary to cover your credits. At this point, it is necessary to have
independent experts to optimize your insurance spending. Your goal is that your
family does not owe money to the bank, but neither give it away by paying an
excessive premium.
On the other
hand, there is the reduction of the economic impact of your death or disability
in your environment, here we recommend that the capital to be insured is two to
five gross annual wages of yours.
The best option
may be to insure everything in the same policy ... or not, because there are life insurance
that have special orphan coverage (you see how it is essential to have an
independent insurance expert nearby).
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