An article examining the costs and benefits of lif insurance policies.
Although the cost of life insurance is nothing compared to the benefit and security it provides, deciding on the amount of cover and the term needed is very important.
How much? The answer to this depends on your life style and your assumption of the future value of money. For example if you earn or spend £2,000 a month, an ideal cover should be able to provide at least 2/3rd of the same for your family, in case anything should happen to you. You should also take into account the financial liabilities that accrue from your sudden demise and provide a cover for the same in addition to the subsistence discussed above.
How long? Life insurance provides for your dependents until they come of age. So that, in case anything should happen to you, their education and other needs are taken care of. Ideally the term should be until their growth or until your retirement, in case you are planning your retirement base on returns from life insurance.
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