Death and Taxes Is Life Insurance the Answer

Death and Taxes Is Life Insurance the Answer
By Neil Mercer

Nothing in life is as certain as death and taxes!

That must be the most certain statement ever spoken by anyone, anywhere ever.

We can not escape those 2 facts. Yet, as far as one of these is concerned, thousands of us fail to cover this most basic fact.

Try an internet search for your local area and ask how many people, on average die each year. I bet youll be surprised. Yet of those people, I bet at least half have inadequate life insurance cover. No I know that this is not a very cool or nice subject, but the simple fact is we are all going to die.

Therefore, how come we cant even provide for this eventuality?

Life insurance should be the foundation of everyones financial plan; you do have a plan dont you? This is the reason I do what I do, you see I firmly believe in the provision of life insurance, I mean name me one person who will not benefit from having this type of cover, go on just one.

You see is the saddest things you will ever see a young wife with a family arranging the funeral of her husband, or that same woman trying to deal with the household bills that still keep coming in?

Lets start with the basics. It does not have to be expensive. Cover can be provided for as short a term as one year, which, lets face it should not break the bank but at the same time is only going to provide a short term solution.

If everyone is going to claim on this policy one day, why not have a whole of life policy and take it out as young as possible or as soon after your 18th birthday as possible.

You see the younger you are the cheaper the premium or to put it the other way premiums rise as you age. Therefore a $100,000 policy is going to be cheaper for a male aged 31 next than it is for one aged 41 next.

And in an age when you can insure just about anything, this is the simplest form of cover you can get, you die you claim, well it wont be you doing the claiming but you see what I mean.

So in conclusion, unless you are not of this world, I hate to break it to you but you will die, so go out and cover yourself because if Ant can cover Dec and Dec can cover Ant you do not have an excuse (anyone not from the UK may not understand that but Ant and Dec are an annoying duo that present a couple of TV shows in the UK), and whilst this will not save you from death and taxes it will certainly make them more bearable for your loved ones.

Neil Mercer
Authorised and Regulated by the FSA in the UK
http://www.terminsurance.1st2last.net
http://www.1st2last.net/lifeins.html

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