We
all wondered what would happen if an accident snatch us life or the ability to
work, and our partners and children do not have savings to cope with adversity.
The
answer is usually hard, because surely speak of financial instability. A
policy to protect us is the best option and fortunately, these solutions exist
for all budgets. Discover
what protection insurance gives you financial life.
Many companies offer the public the possibility of contracting a life insurance policy, a financial instrument that, in a way, saving to face death, disability, old age and contingencies, through mechanisms that ensure the continuity of living standards the family members.
However, there are so many more options and qualities that insurance often does not know how to start the search or close the right deal. Rather than find a cheap life insurance, the first thing you find is insurance that suits your needs and not you to him, always compare to find the best price and good opportunities.
If you are the breadwinner of the family, it is important to be insured, especially if there are small children or if any of them cannot be independent because of a disability.
It makes sense to ensure that whoever is the father, but the situation today, where the mother also works being part of a breadwinner, it is best that both are insured
Economic life insurance can be a basic plan, which covers the individual and family needs. Life insurance can be classified into:
Ordinary life.
Many companies offer the public the possibility of contracting a life insurance policy, a financial instrument that, in a way, saving to face death, disability, old age and contingencies, through mechanisms that ensure the continuity of living standards the family members.
However, there are so many more options and qualities that insurance often does not know how to start the search or close the right deal. Rather than find a cheap life insurance, the first thing you find is insurance that suits your needs and not you to him, always compare to find the best price and good opportunities.
If you are the breadwinner of the family, it is important to be insured, especially if there are small children or if any of them cannot be independent because of a disability.
It makes sense to ensure that whoever is the father, but the situation today, where the mother also works being part of a breadwinner, it is best that both are insured
Economic life insurance can be a basic plan, which covers the individual and family needs. Life insurance can be classified into:
Ordinary life.
It
is a plan that provides economic protection for life (whole life); in
this, the contractors will (raw) periodic payments until his death. It
is relatively expensive because the insurer will cover all expenses for which
you are engaged.
Temporal.
Temporal.
This
service remains active only for a certain number of years, paying the agreed
sum death only if the contracting occurs during the set term (1-20 years, or at
age 60 or 65). It
has the advantage of being cheaper, since the premium is calculated based on
the probability that the insured dies during the insurance period.
Endowment.
Endowment.
It offers protection and savings; it
can be hired for periods of 10, 15, 20 or more years, or at age 60 or 65 years
of age. They
are divided into two types:
Pure.
Pure.
They
are in fact safe "survival", in which the sum insured is not given to
the death of one who hires the service, but only if it survives the end of the
agreed period. They are plans that are
not much promoted in Mexico; generally
they employ shorter and deadlines as an investment than as a method of family
protection.
Mixed.
Mixed.
It is a pure
endowment combined with term life insurance; some
insurers sell it as retirement or retirement, others as "universal
line". The
cost is high because protects both scenarios.
Deferred income.
Deferred income.
If
the insured person survives a specified time or reaches a preset age, you
receive monthly or annual payments.
With investment.
With investment.
Their
purpose provided that the insured at any time savings that can be used to pay
school fees for their children to have money for retirement or old age.
Deciding which type of life insurance should contract depends on economic needs and the amount of premium you can afford, the seriousness of the insurer and the quality of service.
Consider that if you have children with a disability and cannot generate revenue for them, will probably require lifelong protection and a high sum insured. Do not forget that the payment of hospital and medical care increases every year.
However, if you have the habit of saving for retirement (plus social security contributions) and your children have ample opportunities for development, surely you will require only a temporary insurance covering the period of study of children.
Finding a cheap life insurance will depend on your needs protection you have, this is considering whether there is illness in your family, or your work is not high risk that your house is in safe area, etc.
For example always the cost of your insurance will vary if you live in a state like Coahuila, or you live in Monterrey, or if you want to protect against diseases like influenza or cancer. The security situation and the country's situation at the time will also vary with the cost of your insurance.
Deciding which type of life insurance should contract depends on economic needs and the amount of premium you can afford, the seriousness of the insurer and the quality of service.
Consider that if you have children with a disability and cannot generate revenue for them, will probably require lifelong protection and a high sum insured. Do not forget that the payment of hospital and medical care increases every year.
However, if you have the habit of saving for retirement (plus social security contributions) and your children have ample opportunities for development, surely you will require only a temporary insurance covering the period of study of children.
Finding a cheap life insurance will depend on your needs protection you have, this is considering whether there is illness in your family, or your work is not high risk that your house is in safe area, etc.
For example always the cost of your insurance will vary if you live in a state like Coahuila, or you live in Monterrey, or if you want to protect against diseases like influenza or cancer. The security situation and the country's situation at the time will also vary with the cost of your insurance.
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