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Define Life Insurance in simple terms: I pay the bank a fixed amount of money while I鈥檓 still breathing; they pay my family as soon as I stop breathing Nerlens Noel Mavericks Jersey , Basic, understandable, callous and yet necessary. It is way of insuring that my family does not end up in financial crisis just because I their bread winner passed away. Death and life is something out of my control, but their well being is something that I can take care of up to some extend Monta Ellis Mavericks Jersey , then why not opt for it? SO how do you go about? Basically in life insurance policies, there are four characters on the main stage; the life insurance company, the policy owner, the insured individual ad the beneficiary. Now it is not necessary that we require different actors for each of these roles; the last three can be played by the same actor Justin Anderson Mavericks Jersey , it doesn鈥檛鈥?make much of a difference. Now the insurance company makes a pledge to the policy owner that on the time of the death of the insured, they will pay benefit to the policy鈥檚 beneficiary.


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They certainly do not begrudge you your healthy life!Now the next question is how much Life Insurance Do you require? Just keep one thing in mind that your death benefit should at least be 8 to 12 time your annual income but other factors to keep under consideration are the size of your family, other sources of income supporting your spending, number or individuals dependent on you financially, whether your spouse has any source of earning currently or in the nearer future JaVale McGee Mavericks Jersey , any other death benefit you might receive from the Social Services and any special need that you need to be taken are of such as college funds, daughters dowry and etc.


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