Monday, 1 April 2013

Is it important to have additional life insurance cover?



As you advance through different stages of life, your responsibilities and priorities change, thereby necessitating a review of your finances. Here are some milestones which demand a revisit to your insurance cover…

As a youngster, you may not have many financial responsibilities. However, as you grow older, you tend to assume additional responsibilities associated with spouse, children, retired parents and so on.  In such a scenario, the existing life insurance cover many not be enough to cover your new responsibilities. To ensure you enjoy a sufficient insurance cover at all times, indicated below are a few milestones on reaching which you need to review your existing insurance coverage:

Becoming a spouse
Along with all the happiness, married life also brings with it additional responsibilities. If you are the only earning member, it is crucial for you to be adequately insured so that your family is secure in case of an unfortunate event. Even in case of couples wherein both members are earning, the unexpected loss of a spouse could place the other in financial distress. Getting additional insurance once you marry will ensure your peace of mind and help you cope with your added responsibilities.

Becoming a parent
When you are blessed with children, your responsibilities increase. Your children are dependent on you for a very long period of time. Along with routine expenses, you would have to save lump sums of money for their education, marriage, etc. Having adequate insurance which would help you achieve these desired goals will ensure that their dream will not remain unfulfilled even in your absence.

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