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Life Insurance

Death is inevitable and mostly comes suddenly to most of us. In such a case, the least we can do is ensure that our loved ones are left financially secure. That's where the idea of a term insurance plan comes in. Term Insurance Plans are pure protection plans which provide life cover at a nominal cost. These plans are the simplest type of life insurance plans.

Before you purchase your term insurance policy, there are two other things you need to consider.

Duration of Policy
You'll need to decide the tenure of your term plan. Ideally, an insurance policy must provide you with cover until you're earning an income, which till the age of 60-65 years. What you must certainly avoid are short term plans which offer cover for only 15-20 years. If you're in your late twenties, a short term plan of 15-20 years will leave you uncovered when you reach your forties. At that age, the risk is the greatest (as are your familial responsibilities), so you may have to pay a massive premium to get your cover extended.

Amount of Cover
The other thing you need to calculate with utmost care is the amount of cover you need. If the cover that your policy provides is insufficient to take care of your family's needs, the policy will be of very little use. The basic sum for your cover should be sufficient to replace your income in case of your demise. Add to this the cost of medical emergencies, fees for the education of your children, expenses for their weddings, plus the cost of liabilities like loans and regular household expenses. The final figure you reach would thus be considered an adequate amount of cover.


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