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The following article was published in our article directory on January 4, 2011.
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Life Insurance: Why is it necessary?

Article Category: Business

Author Name: Lissa Jenlet

Life as we know it has its own limit, death. One does not know when his life will be taken away from him. It is likely that at time, he will die. Nothing is sure in this world. One cannot be sure enough to say: "I will live tomorrow and do that." Accidents are certain to happen every time. He cannot even be sure that he would be able to reach the average life span of Americans of 78 years. Remember September 11, 2001? One could bet his life that not even one of those people who died there knew they were going to die that day. Life is unsure. The terror does not end there. The uncertainty in one's life creates a chain of intricacies. We all have our treasured ones, people who support us. More importantly, we have people we need to support. Do you have a child? Do you have a younger sister or brother perhaps? What will happen to them if they are not sufficiently provided for with money and other necessities in life? Their life need not end at the death of their loved ones. They need to move on. They need to continue. Thus, one should provide his family with the means to continue with their life even at his death. This is why life insurance is necessary.

Life insurance is a form of security for a person's loved ones. It is meant for his family and persons outside of his family that he wants to secure. This is the tool that one can use to make sure that at his death the life of his family will carry on. This would allow children, who lost their parents at their very tender age, to be provided with the necessities in life the former would have received -- had it not been for the untimely death of his parents. With this, one can rest, assured that the persons he love the most will have the capacity to have a less problematic life. With the system that the law encourages and protects, no longer will a dependent child suffer as much as he would without the security of an insurance policy. Lesser would be his suffering at the death of his parent.

Life insurance policies are contracts sanctioned by law where one (called the insured or policy owner) agrees to pay an amount, called the premium, to another (the insurer). The latter agrees to pay the former in case of his disability or to pay the former's family or specified beneficiaries in case of his death. In this security arrangement, the insured needs to pay the insurer the premium in accordance with the law and the stipulated terms. After the premium is fully paid, under the law, the insurance takes effect. From that moment, the insured is secured against any of the perils covered. From that point, if the insured dies, the Insurance Company needs to pay the beneficiaries of the insured. One can never be sure in this world. He can never be sure in his life. More so, he can never be sure with the future of his family. Now that you know this, get a life insurance now and help your family have a better and secured future.

About the Author: Lissa Jenlet is an expert at life insurance. To find out everything about term life insurance quotes visit her website at http://www.freelifetermquote.com/

Keywords: life insurance,term life insurance,term life insurance quotes

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