so how much do you think your life is worth?
I know this isn’t the lightest of subjects to write about, but there is no getting away that it is one of the most important.
If you had to put a value on your life, how much do you think you would be worth? It’s not an easy question to answer, but I’m guessing it will be a very high figure. Unless you are immortal the chances are that you will probably need some life cover at some stage in your life. Nobody wants to think about their own mortality yet it comes to us all.
A terrible, but useful piece of knowledge would be knowing when our time is up. At least we would all know whether we needed life assurance at all. But the best way to ensure that you can get the right kind of coverage when you need it is to buy it when you don’t.
The earlier in life you invest life insurance, the cheaper it will be because rates go up as we get older to reflect the increased risk. Funny thing life cover, nobody ever wants it until it is too late. “I don’t believe in life cover.”How many times have I heard that one?
Have you ever questioned why you insure your car or house or contents? “But I have to insure my car.” Yes you do, but it doesn’t have to be comprehensive, so why do we? It is because we want to know that if we have a crash or the house burns down the insurance will take care of everything.
by
Mike Legassick of Positive Solutions, a Plymouth-based independent financial adviser with more than 20 years experience. He advises clients on a broad range of financial planning issues
finance matters
Well who is going to take care of everything if your life ‘crashes’. Leaving a loved one to deal with grief is bad enough. Add to that financial debt and burden and it makes a terrible situation worse.
It is a psychological paradox that if you knew you were going to die in ‘x’ years time you would probably protect your family to the tune of millions if you could afford to and yet because we don’t know when our time is, we leave things to chance. Why?
So why would anybody need some protection?
• You have debt. If you passed away last week, how would your mortgage get paid off? What about any personal loans or credit card debt? Would you be happy to leave your spouse or partner with the debt? Life insurance protects you from becoming a financial burden to those you leave behind.
• You have children. Whether you are married or a single parent, or if you have a loved one who is dependent on your income, investing in a life insurance policy will cover the future expense of bringing your child up.
• You have dependents. A dependent could be a family member, a partner, or anyone who is dependent on your
• continued on next page
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the plymouth magazine 45
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