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Life insurance provides financial protection against unexpected risks such as death, accidents, critical illness, and total permanent disability. This makes life insurance an important part of your life, especially if you have a family.
If you don't want to rely on the life insurance provided by your employer, you should be able to choose your own life insurance so that even if you leave the company, you don't have to worry about protecting your family.
Here are some tips to help you choose the right life insurance:
You can calculate your family's needs by assessing your monthly income or expenses. Why focus on monthly expenses? Because even in the event of risks such as death, critical illness, or others, your monthly needs and your family's needs still have to be met.
Determine the Premium Cost Although life insurance is crucial, there's no need to rush into a decision. Take your time to research and evaluate. Make sure that the insurance premium cost doesn't interfere with your family's daily needs.
Understand Life Insurance Products There are various life insurance products available in the market, ranging from traditional life insurance to unit-linked life insurance. Each type has its own advantages and disadvantages.
You should choose a product that fits your budget and fulfills your family's life insurance needs. Traditional life insurance products like term life insurance are generally easier to understand compared to endowment or unit-linked life insurance.
If you are offered a unit-linked policy, make sure you understand the benefits, features, and associated costs.
Therefore, even if some life insurance products come with savings or investment features, the primary consideration should still be the benefits provided by the life insurance policy when the risk occurs.
Consider factors such as the premium amount, offered benefits, claims procedures, and other features when comparing insurance products.
Avoid being tempted solely by low premiums offered with extensive benefits or comprehensive coverage.
Therefore, it's important to at least understand some of the claim requirements to ensure a smooth claims process.
By considering these tips and understanding your own needs, you can make an informed decision when choosing the right life insurance product for you and your family.
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It is with deep sorrow that we announce the passing of
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