Reader’s Question:

Why does life insurance have death benefit? It seems anti-intuitive. Shouldn’t it just be called death insurance, then? I’ll probably propose it our officials here in Bronx New York NY.

Jade

Bronx, NY

That is some very keen observation there, Jade, but it wouldn’t be too attractive won’t it? As it is, many people shy away from the topic of life insurance because the benefits are received after death of the policy holder and it is not a topic easily welcomed by anyone. But let us look at the merits of the existing terms and conditions of life insurance.

Life insurance is so called in Bronx New York NY and in the other parts of the country, and probably in most places in the world, because the policy is effective for an unlimited time, or as long as the policy holder is alive, at least for permanent life insurance. Effectivity of the policy starts from the payment of the premiums and lasts as long as the policy holder wishes to return it, or in the event of his death. Death benefit is really the perfect term because it is the benefit your chosen beneficiaries will receive upon your death. In short, life insurance may not insure your life (what insurance can?) but it insures you for life. I hope this satisfies your taste and while your interest has been tingled by the topic, let me invite you to take a look at how it works. You can go back to the top of this page where you will see a space asking for your zip code. If you enter your Bronx New York NY zip code, it will give you free quotes on life insurance, without any obligation from you.

Anyway, Jade, it was nice having this little chat with you. I hope that even if just for a tiny bit, I have helped clarify your mind.

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