Finding Insurance Cover That is Best For You!
Searching for insurance cover which suits all your needs as well as your families, might seem like a major challenge when first confronted with all the different insurance products on the market. Not only are you confronted with different types of insurance cover, but also educating yourself on the meaning of various insurance terms. Then there is the need to be street smart when dealing with insurance brokers so that you do not get the short end of the insurance stick.
Although it is better to learn all of these sooner than later.
What can the money be used for?
Buying insurance cover in the form of life cover and disability cover, is about providing for the people you are leaving behind rather than yourself, unless in the case of terminal illness that is. Think about what would happen to your family, if you were no longer here for them? I know it is not pleasant but it needs to be addressed. Would there be money to pay your bond? And what about your children, will your spouse or relatives be able to pay for their education? Would there be money for your funeral arrangements? You may not have any children or be married, so turn your attention to yourself. If you were suddenly to become disabled, who would you live with? Would this person have enough money to pay for your medical care? Would there be enough money to look after you, for the rest of your life? These are scenario's which nobody likes to think about, yet you must if you care about yourself or loved ones.
Life insurance makes a lot of sense, the only problem being that many people do not know how much life insurance to take out and what type of insurance cover to get. To determine how much life cover is needed you need to make a few calculations.
The first thing you need to calculate is all outstanding debts such as your home loan, and University fees for your children, or your own outstanding University fees. Then you need to calculate how much of your salary would be missed on a monthly bases. Are you the sole provider? Or do you and your partner split everything in half?
Term life cove
Term life cover is life coverage given by the insurance company which lasts for a definite term, in the return for payments. If you die during this period then the money is paid to your beneficiary. When the term has expired you can renew your contract, but it is not guaranteed that you will qualify for the same rates. If you do not decide to renew your policy you can end up with nothing.
Whole life cove
Whole life insurance cover, is an insurance product which offers you the benefit of coverage at any time of your life, in exchange for payment. Whole life insurance cover is more expensive but many people prefer it because it gives one more piece of mind.
For more information on insurance cover, go to http://www.alllife.co.za
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Although it is better to learn all of these sooner than later.
What can the money be used for?
Buying insurance cover in the form of life cover and disability cover, is about providing for the people you are leaving behind rather than yourself, unless in the case of terminal illness that is. Think about what would happen to your family, if you were no longer here for them? I know it is not pleasant but it needs to be addressed. Would there be money to pay your bond? And what about your children, will your spouse or relatives be able to pay for their education? Would there be money for your funeral arrangements? You may not have any children or be married, so turn your attention to yourself. If you were suddenly to become disabled, who would you live with? Would this person have enough money to pay for your medical care? Would there be enough money to look after you, for the rest of your life? These are scenario's which nobody likes to think about, yet you must if you care about yourself or loved ones.
Life insurance makes a lot of sense, the only problem being that many people do not know how much life insurance to take out and what type of insurance cover to get. To determine how much life cover is needed you need to make a few calculations.
The first thing you need to calculate is all outstanding debts such as your home loan, and University fees for your children, or your own outstanding University fees. Then you need to calculate how much of your salary would be missed on a monthly bases. Are you the sole provider? Or do you and your partner split everything in half?
Term life cove
Term life cover is life coverage given by the insurance company which lasts for a definite term, in the return for payments. If you die during this period then the money is paid to your beneficiary. When the term has expired you can renew your contract, but it is not guaranteed that you will qualify for the same rates. If you do not decide to renew your policy you can end up with nothing.
Whole life cove
Whole life insurance cover, is an insurance product which offers you the benefit of coverage at any time of your life, in exchange for payment. Whole life insurance cover is more expensive but many people prefer it because it gives one more piece of mind.
For more information on insurance cover, go to http://www.alllife.co.za
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