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2 years ago · by · 0 comments

Top 5 biggest misconceptions about life insurance

myth-insure

When it comes to protecting you and your family’s future, many people misunderstood the need for insurance. We look at the five biggest misconceptions people have when getting an insurance policy.

It’s too expensive

Many people thinks that life insurance is expensive and unnecessary need, but an insurance policy that’s tailored to suit your lifestyle can cost less than your daily cup of tea. That’s a lot less than what you would have to pay in the event something unexpected happens and you had to pay for costly medical bills. The main point is to search around, and find a policy that suits your needs and your budget.

It’s only for old people

Between the ages of 18 to 30 you may be more interested in spending time with your friends and travelling than thinking about your future. It’s easier and lower to get an insurance policy in your younger age when you are healthy and no known health problem. Once you are affected with some health problem, then getting a policy will be hander and more expensive. If you want to retain control of your financial freedom as you grow older and start thinking about retirement plans, it’s worth considering options where you’ll get a lower premium.

It’s too early

While you are still young, the insurance premium amount will be lower and easily available, compare to those you get after getting older or after getting some health problem. As cost of medical is rising every year, it’s a safe bet to get insured earlier than late. In case you are affected with an illness, then getting a new insurance policy will be harder and expensive. In this kind of event, you don’t want to leave your family with the burden of costly medical bills.

It’s better to save in bank

People usually assume they will grow their money by saving in banks, ultimately self-insuring to protect their surviving family against financial risk. It’s good to save in banks, but investing in an insurance policy will give you both savings plus additional sum assured (and medical coverage for those investment-link plans) so you can avoid touching your savings fund if something did happen and still have funds for that future asset dreams instead.

My employer pays the bills

Yes, most employers do offer group insurance coverage for their employees today, but does that coverage sufficient to cover the medical cost? Not all employers cover fully the medical bills, and sometime you will need to folk out your own money to cover additional medical cost. While having medical coverage while working is good, but what will happen when you leave or retired? Your employer will be no longer covering for your medical cost during the retirement age. This is when you will need the most and if you plan to take insurance during your retirement age, be prepared to pay a huge premium amount.

No matter what, insurance is not considered as expenses; instead see it as a way to protects you and your family during your difficult time. For varies insurance protection plans, visit Getinsured.my today to get free proposal quote for your insurance need today.

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