Being young and full of energy oftentimes makes us forget that life is at best tenuous and frail. The symbolism of the cherry blossom is instructive in this regard. The blossom opens on the first day, reaches full bloom on the second day, and falls to the ground on the third day, to be trampled under the feet of children playing in the park. The Japanese gather in parks during these days to watch the Cherry blossoms live and die and to contemplate on the frailty of human life. The lesson is one that suggests that as early in life, we must ensure the survival of our families simply because we may not be able to care and provide for their needs forever.
Usually, this uncertainty fills us with apprehension. Who will look after my family if my life ends tomorrow? Who will undertake to finish my son’s education or my daughter’s? Who will undertake to fulfill the obligations of my mortgage? Without a system to take care of these things, even the future might seem very bleak indeed and we would be forced to go through each day filled with tension and worry.
This is why many companied undertake to lift this burden from our shoulders and bear it themselves. Now most insurance companies claim to offer us affordable life insurance but all they do is show the benefits that would be received while hiding the fine print or, what would be worse, disguising it altogether with the flowery words of a snake-oil salesman. It is advisable therefore that we undertake a very close look at term life insurance rates and examine carefully what the total costs of taking out a life insurance would amount to. It is also necessary to mentally go through the application process in order to watch out for possible pitfalls or traps to which we would be led by a shrewd insurance salesman.
Typically, a prospective policy taker fills out a recent medical record whose veracity is attested to by a physician accredited by the prospective insurer. This is to ensure that the plan-holder has no existing illness at the time of his enrolment such that he is only insured against future illnesses and life-threatening conditions. However, for those who dread the results of such exams, there is a more attractive option, the term life insurance with a life insurance no exam policy. This would save you from the added fuss and hassle usually associated with physical check-ups but it, however, would mean higher premium payments and an increase in the term life insurance costs incurred by the policy holder.
Getting yourself insured usually takes a little more than an hour or two if the financial considerations are of no moment. However, insurance agents do take a more time than necessary to spell out the various considerations involved in a policy, often painstakingly constructing several scenarios to illustrate several options he deems appropriate for your needs. If you can spare the time, and you are a first time policy taker who is unfamiliar with the language and terrain of insurance, this may be the best option for you to take. Otherwise, you can do an online search for information, comparative policies and quotations. You can do this within the comforts of your own home or office and with a punch at the proper buttons and a succinct query at the appropriate search engine you are off to compare insurance quotes with your needs given your current health and financial circumstances.
The ultimate leisure would be of course to hire your own trusted expert to do the searching for you and to contract out the most appropriate insurance policy exactly tailored to your specifications. However, choose one who knows every detail of your life and every concern you have about you and your family’s future. Have him advise you on every aspect of every policy option open to you or referred to you. But even as you leave the searching and screening to your expert, you must always have the final say on the matter. After all, it is your life that is being insured. And it is your family’s future that is at stake.
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