Life insurance

Opening pharagraph

1) First, decide if you really need a life insurance. Do you have children, a spouse, parent or any person who depends on you financially. If something happen to you suddenly, the financial situation of your family would de affect.

2) Second, consider the cost. Determine how much you can pay for the insurance premium. Weight the cost of the protecting that will provide for your family in the future. Also think about if you will be able to pay the premium over time. Some policies have premium that increase.

3) Third one, ask yourself how much life insurance you need. Factor of the number of dependents you have, other sources of income that your family would have, the amount of debt you have and the type of lifestyle your family leads.

4) Fourthly, you must have to think about if your death or your spouse one will cause more financial hardship. Then decide if your beneficiaries will benefit most from guaranteed death benefits distributed in a lump sum or insurance policy that increases the cash value. Some policies offer a guaranteed return while others allow policyholders to share the profits.

5) Fifth, review the terms of the various types of policies. Your goal must be to buy the right type of coverage, but many types of life insurance policies available can be confusing.

6) Sixthly, you would have to make a decision about how long you want to keep politics. If you do not want to pay premiums under 10 years, select a term life insurance. Permanent or whole life insurance provides a death benefit and cash value if you cannot pay premium for 20 years and more. You have an investment that grows, while permanent insurance are more higher that term life insurance.

7) Seventh, you will have to compare the prices. Get life insurance quotes from three sources. Knowing if a life insurance policy is renewed. Compare rates and term of different types of insurance before buying.

8) Eight, buy from a good insurance company, the should have a good credit rating.

9) Ninthly, after all the informations, you are able to subscribe for the life insurance.

10) Finally, you must have to pay the first month payment and you must inform the company when something change happen in your life.

Technical words

1) Prix

2) Durée

3) Qualité

4) Sureté

5) Nombre de personnes

6) Vos besoins

7) Conseiller en assurance

8) Âge

9) Le salaire

10) Comparer

1) Price

2) Rate

3) Number of person

4) Financial situation

5) Protecting

6) Age

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