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What is life insurance?

Life insurance is a contract between an insurance company and an individual, family, or business that pays a death benefit in the event of the insured’s death. The payoff is designed to replace the income or assets that the policyholder would have had if they had lived.

My finances before buying insurance

A few years ago, I was faced with a life-altering decision: whether to buy insurance or not. At the time, I had no children and my fiance was just starting his career. We made the decision not to buy insurance because we figured it would be too costly and we didn’t want to risk anything. Little did we know that one day our lives would be at risk, and our decision would prove crucial. Nowadays, the idea of not buying life insurance may seem like a crazy risk, but in the event of an unexpected death, your finances could quickly spiral out of control. Let’s explore how common it is for people to not buy life insurance and see what happens when something unexpected happens.

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According to The Huffington Post, 78% of Americans don’t have life insurance – which means if you’re one of the 22% who doesn’t have it, there’s a good chance you won’t be able to financially support yourself in the event of your death. Worse yet, Federal Trade Commission data shows that people who don’t buy life insurance are three times as likely to experience financial hardship in the event of their death than those who do have coverage.

Why do I need life insurance?

When shopping for life insurance, it is important to know the different types of insurance and their purposes. There are two main types of life insurance: non-contributory and contributory. Non-contributory life insurance pays out a beneficiary regardless of how much the policyholder has paid into the policy. Contributory life insurance requires a lump sum contribution before payout, which decreases as the policyholder ages. Here’s an explanation of each type: Non-contributory life insurance: Provides financial protection in case you unexpectedly die and have no dependents covered. This type of policy does not require annual premiums and can be a good choice if you don’t want to worry about maintaining a death benefit. Contributory life insurance: Requires a lump sum contribution from the policyholder that increases as they age. When the policy exceeds a set limit, payments are made to the beneficiary rather than remaining in the policy holder’s account like with non-contributory policies. This type of coverage may be a better fit for people who want to ensure their loved ones receive money even if they reach retirement age without having contributed much to their pension or savings account.

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My Reasons for Buying Life Insurance Now

As a personal finance blogger, I often get asked about life insurance. And I think it’s important to answer this question so that others can make an informed decision about purchasing life insurance. Here are five reasons why I believe now is the time for people to buy life insurance: 1) The cost of health care is skyrocketing. According to the Centers for Medicare and Medicaid Services (CMS), the average cost of hospitalization reached $8,000 in 2015, up from $7,500 in 2000. The costs of medications and treatments also continue to increase, which in turn raises the premiums for health insurance. 2) Social Security will be insolvent in 2034. The Social Security Trustees Report released in July 2017 projects that Social Security will be unable to pay all benefits as promised starting in 2034. This means that many people over the age of 65 will not have any social security support when they need it most. 3) There is an increased risk of a catastrophic event. Recent natural disasters such as hurricanes Harvey and Irma have shown just how devastating a major hurricane can be. In addition, there are increasing risks from terrorist attacks and epidemics such as Zika. If something catastrophic


A website that offers life insurance for people with illnesses may be a good option for you if you are looking for life insurance. The website will ask a few questions about your medical history and then can provide you with quotes for life insurance. Once you have found the policy that is right for you, it is important to keep your policy current by making sure to make payments on time.

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