Isn't taking out health insurance and life insurance in your financial plans? Know that you may be missing an excellent opportunity! After all, despite what most of the population believes, this type of policy is not valid only in the event of death.
In fact, health insurance and life insurance is an essential item to ensure the quality of life and tranquility of the family in case of unforeseen events. Isn't that news to you? But what you still don't know is that health insurance and life insurance can also be an excellent investment, providing benefits still in life. That outdated idea that only dependents will benefit from health insurance and life insurance needs to be overcome once and for all. And that's exactly what you're going to understand here. Follow the next topics to know the 13 main reasons to hire a health insurance and life insurance today!
What reasons will lead you to take out health insurance and life insurance?
From now on, meet 13 of the main reasons to have a good health insurance and life insurance!
# - Financial protection for dependents Let's start with the most common idea associated with health insurance and life insurance: given the unforeseen death, this feature helps to shield dependents from financial difficulties that may occur after the death of the insured. This issue is especially serious for those who have children, siblings and other dependents who would be in difficulty if they could not count on the financial assistance of those who left. And this includes from the hiring of the funeral service to the later stages, when you can no longer count on the provider's income. In addition, when hiring health insurance and life insurance, you have facilities to customize the coverage, merging them with those of other products, such as educational insurance for the suppression of school expenses of children, insurance for the discharge of debts of the insured and even housing insurance for the payment of remaining benefits of real estate. For all these (and many other) advantages, if you care about the financial protection of the people you love, hiring health insurance and life insurance is the best decision!
# - Tranquility for the insured More than thinking about capital redemption, hiring health insurance and life insurance means bringing to yourself the tranquility that dependents will not be left out if they have to deal with their lack. And we know how much this serenity is worth gold in an increasingly turbulent world, don't we? Knowing that you have made an investment that can minimize the obstacles of those who stay after it is certainly brings a good deal of peace of mind.
# - Protection for the spouse Usually, those who are married have the expenses of practical life divided with their spouse. Thus, if one of them dies, the other can significantly compromise their quality of life due to a drop in income. Think about it: is there greater peace of mind than ensuring that the loved one will not be discovered financially at this delicate time? Imagine if you need to hire someone to take care of their children or resort to some kind of psychological support, for example. Knowing that, despite the pain of loss, the person you've dedicated your life to will be able to move forward with some tranquility is really comforting, don't you think? Here, therefore, is another reason to take out health insurance and life insurance!
# - Customizable financial security guarantee If you are an employee, you may already have a health insurance and life insurance policy contracted by the company. But it is important to know that often this insurance is not enough, because it brings limited coverage and that may not even meet your personal needs. Hiring an individual health insurance and life insurance insurance ensures that the values will be appropriate for your profile and the standard of living of your family. After all, only you know what it takes to make your loved ones really protected.
# - Cost-benefit ratio Although some people are still unaware of this possibility, it is a fact: hiring a health insurance and life insurance company brings not only family protection benefits, but is also an excellent form of investment.
If you are an entrepreneur and have a partner, for example, both must take out health insurance and life insurance. After all, in case of death of one, the other needs to assume corporate obligations, otherwise the business will be at risk of indebtedness. Thinking about the family, it is necessary to understand that dependents can inherit debts, such as financing and loans. In these cases, with the amount of compensation, there will be no shortage of resources to pay these commitments without stress.
It is still important to be aware that a health insurance and life insurance does not enter the inventory in case of death of the insured. It also does not necessarily need to be intended for natural heirs (sons, brothers and fathers), and can be directed to anyone, be it a nephew, a godson or a friend, for example. This helps to avoid bureaucracies in a time of extreme fragility.
# - Coverage of serious diseases
Many policies guarantee the payment of compensation if the insured person is diagnosed with a serious illness,provided that such condition is in the specifications of the contract. Nothing more opportune, since we can't predict the future. Remember, a real bad omen is leaving your health and your family's in the hands of chance, don't you agree?
Finally, the health insurance and life insurance product itself has evolved a lot in recent times. From the redeemable modality to the possibility of reimbursement of medical expenses, the advantages of insurance to the contractor himself are numerous, both for the certainty of not leaving anyone forsawed and for the range of services offered still in life.
In summary, in this post you realized that hiring health insurance and life insurance goes beyond ensuring temporary or permanent disability coverage or protecting your family members in the event of death. There are a multitude of services ranging from educational coverage to home services, which can be included in the policy to make it even more relevant to maintaining quality of life!
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