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论文作者:英语论文论文属性:作业 Assignment登出时间:2014-12-24编辑:yangcheng点击率:19184

论文字数:6617论文编号:org201411122345315827语种:英语 English地区:美国价格:免费论文

关键词:留学生论文保险学Economics EssayInsurance




The Life Insurance Need Analysis Economics Essay
Under this, the insured person pays the premium regularly to insurance company, once a policy is taken, and in lieu of this, the insurer promises to pay a fixed sum of money at the time of the death of insured or on the expiry of a specified period of time, whichever is earlier. The payment for life insurance is certain but the event for which insurance is taken is not very certain.
A Beneficiary can be a Person, Business, Trust, or Estate.
The Owner of the policy is the Person or Organization who pays the premiums and has ownership rights :
The right to name the beneficiary
The right to receive dividends and to surrender the policy for cash
The right to change ownership
The right to assign a policy as collateral for a loan.
‘Death is certain, but when it occurs is not’
Life insurance is of utmost importance for all individuals, businesses, communities, society and general public at large. If offers protection against loss of income and compensates the titleholders of the policy. It has other principal functions besides making cash payment on death of a life insured.
Life is unpredictable. As the head of the family, everyone wants a secured life for their family members. The nightmares about your family’s financial protection keep haunting you.
You need life Insurance because typically the need for income continues for those who are financially dependent on you, but there is no guarantee of your ability to earn consistently and for the rest of your life.
Life insurance can help you safeguard the financial needs of your family.
To replace income the family would need to maintain their standard of living after the death of a wage earner.
Life insurance insures your life and reduces any hardship your family may have to bear in the unfortunate event of your death.
Insurance can provide an emergency cash reserve.
It can provide capital to pay “last expenses” and operating capital during a family’s readjustment period.
to pay off a mortgage loan and other personal and business debts or to create a rent fund.
To create a fund for children’s education.
To create a family emergency fund or a fund for a family member with special needs.
Life insurance proceeds generate a financial lump sum that can be used to cover a family’s current and long-term operating expenses.
It facilitates savings for old age to enjoy secured and peaceful life as the earning capacity of a person is reduced after retirement.
It encourages people to save money by making them obliged to pay premium regularl论文英语论文网提供整理,提供论文代写英语论文代写代写论文代写英语论文代写留学生论文代写英文论文留学生论文代写相关核心关键词搜索。

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