How to choose a life insurance?
The truth is that life insurance is one of those things that are done in the neighbor thinking, a sign of love for family and loved ones. Selfishly speaking should not worry about what happens when we no longer are in this world, however, we want our family, we make a life insurance so that if something happens to us, they can cover the costs, pay debts and keep a standard of living much like the one they had with us. But when does it awaken in us the need to hire a life insurance? Usually at the time in which we are parents, so far, we want more out of life with us in the world. But what coverage should have life insurance? In terms of insured capital, usually, is said to be covered 10 times our annual income, however, current life insurance, are not left alone in sums insured for death or disability, if not that, at present many we offer insurance other coverage that we may be able to take advantage "in life" and we hire a little more "joy". Within this type of coverage we have encountered some as:
- Second medical opinion
- Telephone medical assistance 24 hours
- Advance of the capital in the case of terminal illness (evidently to deal with the costs that this entails)
- Legal advice service in case of death
- Of agency procedures in case of death
- Service telephone psycho-emotional support
- Tax deductions for the insured
When the life insurance contract that suits us, we must know, at least briefly, the different types of life insurance on the market:
- Term life insurance: the one in which your family receives the insurance money if you pass away while the insurance is in force.
- Life insurance or permanent life: in this case, if you die, your spouse or your family charged the death benefit. But you can also choose to extract money from the policy when you get older or you retire, and get savings with payment deferred tax.
- Disability insurance: who is charged if an inability to work is suffering?
- Mortgage life insurance: the one that guarantees the payment of your mortgage in the event of your death, your heirs freeing the payment thereof.
One of the best tools that we have to choose the most appropriate life insurance, insurance is comparators. Filling a few data we calculated a lot of life insurance with the best coverage and the best prices so that, in this way, we have a global vision of the market. Is it wise to hire a life insurance? Absolutely yes. For ourselves, as in cases of illness or incapacity we can benefit from them, and for our family, because if we let them, we know that at least we will remove them great concern over in these difficult times.
