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A comprehensive financial plan must include insurance planning to evaluate risks and select insurance coverage to mitigate those risks. Insurance planning aims to identify and analyze risk factors in life and seeks to mitigate them.
It is crucial to carry insurance, but the most critical aspect is to acquire the appropriate type of insurance. Each person has unique insurance needs based on their age, health, family structure, economic status, possessions, and assets.
Insurance is meant to safeguard us, at least financially, should certain things happen. However, there are many insurance options, and financial experts say you should have the insurance that best covers the risk that can impact you.
We can’t always prevent the unexpected from happening, but we can take steps to protect ourselves. Insurance is designed to keep us financially secure in case something unexpected happens. However, there are many different insurance policies, and many financial experts recommend getting several policies.
The four types of insurance you should have:
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One of the most significant benefits of life insurance is covering your final expenses and providing for your loved ones. This is especially important if your family depends on your income to pay the bills.
According to statistics, you and your family are just one serious illness away from bankruptcy. This should motivate you to get critical illness insurance or review and possibly increase your current coverage. The payment from a named critical illness claim can provide the needed funds to meet immediate financial demands.
Most of us think long-term disability insurance will never be needed. Yet, according to the study, one in four workers entering the workforce will become disabled for some period in their career and unable to work.