Life insurance, for those who have a mortgage or dependant children, should not be considered optional. For those who already have insurance, many do not have nearly enough. Recent surveys indicate that this is because debt is perceived as only being temporary.
Taking the future into consideration, and carrying life insurance that can provide above and beyond the mortgage, allows surviving dependants to continue to function as normal.
When it comes to the reason why life insurance is purchased, the actual logistics are often not considered. Could your dependants make a wage? Have they built up a good enough credit rating to borrow money ? What would happen to outstanding loans ?
Recent studies have urged people with life insurance policies to consider the cost of travel expenses, childcare and tuition, house cleaning and management, and all of the other day-to-day costs often ignored by life insurance .




