The vast majority of us lead a peaceful and fairly normal life. We go to school, work, shop, go on vacation, etc. Rather, we do not think what will happen to our family, if God for one of my spouses, something happened. And let us assume such a hypothetical situation. Marriage, two children. Both husband and wife work and earn PLN 2000 net. They may not be a lot of money, but a peaceful life is enough. Marriage does not have much savings, because their income does not allow it. And one day, a man goes on a bicycle ride and dies in a car accident. A huge tragedy for the family. Pain, crying, many questions without hints. When the first shock is over, the wife begins to ask herself: “Where will I get the money for my life?” This is a very good question, because half of the income for the household budget disappears. And expenses are at a similar level. If the marriage is secured for such an accident, the wife goes to the drawer and draws a policy on the life that her husband bought. Sends the necessary documents to the insurance company, which transfers its money indicated in the policy. And he has resources for life. At least until everything is normal. And this is the great advantage of a life policy. It helps us in extremely difficult moments of our lives.
Is it worth to have a life insurance policy? Certainly yes, although first it involves costs, and secondly, not everyone has to have it. When it comes to costs, they are different and depend on many factors. First of all, on the amount it pays to our nearest insurance company. In addition, the age of the insured is of great importance as well as the period for which the policy is concluded. Certainly the products “attached” to the policy also affect the cost of the policy. This is primarily about investment products that are expected to bring more profits to us in the future. Are they worth buying? Everyone should answer this question himself. If we are only looking for security for our relatives – probably not worth it. When it comes to who does not have to have a life insurance policy, then it is certainly the lonely people who have no money to transfer, as well as those who have considerable savings.
Life insurance has virtually every insurance company in its offer. Their offers differ in many respects, so it’s worth getting acquainted with the topic before we decide to sign a contract. Thanks to this, it may turn out that our policy is not so expensive, and we will be sure that people closest to us will be financially secure.