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Why Buy Insurance?
Whenyou drop a quarter into a slot machine, you know that your chances of winningare pretty slim. But risking a quarter (or perhaps much more than a quarter)may be worth it to you if the potential payoff is great enough. Insurance is alot like that. You pay premiums not because you expect to die today, get into acar accident next week, or lose your home in a fire next month,[link widoczny dla zalogowanych], but because thepeace of mind it offers and the financial protection it could provide are worthit. You don't have to bear the risk of financial loss alone. Insurance is allabout risk and financial protection. Do you feel lucky today? The concept of riskWeall face risk--the possibility of injury, illness, death,[link widoczny dla zalogowanych], or propertydestruction--each day. Although you can never eliminate risk, you can guardagainst financial loss by shifting part of your financial risk to a largerentity (your insurance company) that's in the business of dealing with thatrisk. In return for your payment of premiums, your insurance company agrees topay you (and/or others) a certain amount of money for a specified loss. Thisloss may or may not occur, so both sides gamble. Still, the potential benefitsof insurance may be well worth the cost. You can limit or eliminate some of your risks with the right type ofinsuranceConsiderthe possible losses associated with each risk you've identified. For example, assume you have a spouse,[link widoczny dla zalogowanych], two minor children, a mortgage, and various debts andexpenses. If you die within the next few years, how much money will your spouseneed to pay off the debts, meet expenses, and perhaps even send the children tocollege? Or what if your 68-year-old spouse (or parent) suddenly suffers astroke and requires around-the-clock care in a nursing home? How will you payfor it? Insurancecoverage can protect you, your business, and/or your loved ones from thefinancial loss associated with your risks. There are many different types ofinsurance to consider. These include life, medical, disability, auto, andhomeowners, to name just a few. Most types of insurance are optional, butsome--like auto insurance--may be required by your state or lender. Even if acertain amount of insurance coverage is required, though, you may want topurchase additional coverage to protect your assets. And if you have anemployer that provides you with one or more forms of insurance coverage,[link widoczny dla zalogowanych], youmay want to supplement this coverage with an individual policy. Exploreyour insurance options and try to quantify your potential losses. But becausean insurance-needs analysis can be pretty complicated, it may be best to sitdown with an insurance professional to figure out what types of insurancepolicies you should buy and how much coverage you actually need. Weigh the price of insurance protection against the potential benefitsCostis always an important consideration. Even if you appreciate the importance ofdisability insurance, you may be unable to afford it. In addition, you shouldweigh the price of insurance protection against the potential benefits to you. For example, the chance that your dilapidated 10-year-old auto will be stolenis remote--and even if it is stolen, your financial loss would not be great, sotheft coverage would be a waste of money. Written byLife Insurance Quote | Life Insurance Rates: BeamaLife.Topics related articles：

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