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Life Insurance for Single Individual


By Joz L


Most of single working people believe that they don't need a life insurance protection as the have no dependants or liabilities to worry about at this stage of life. In reality, this is the best time for you to start building the basic foundation for your financial matters.

life insurance

While your parents bought for you the insurance policies will give a good head start, you may want to consider review your needs and identify the potential protection gaps of the existing policies.

Start early means that you are more likely in better health, thus also be more insurable and the insurance premium are cheaper.

If you have just enter the workforce and have a small budget, you can start with a whole life insurance plan that includes optional riders such as critical illness protection and accident of which may affect your earning capability. Also consider medical and hospitalisation plan and income disability plans.

For those who has bigger budget, go for investment-linked insurance policies with a higher yield such as endowment policy that will mature when you reach age 65.





Next right icon  Term Life Insurance for Parents

When you are married with kids, protection for you and your spouse should comes first to ensure your children protected in the event of untimely deaths or critical illnesses.


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    • Term Life Insurance Plans
        How To Buy A Life Insurance?

        Are you well insured with insurance plans? An adequate term life insurance protection coverage is not how many policies you have now, more importantly is about the type of insurance plans you have bought matches your family protection needs. As a rule of thumb you need to cover up till your kids becomes financially independent. Ideally, your total amount of insurance coverage is 10 times of your annual income, and you should not spend more than 10% of your on term life insurance policies.

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        The right way to buy a life insurance that caters to your family protection need is asking your insurance service agents for free insurance quotes to determine how much is enough for you. The key foundation of any financial planning is insurance protection, start early to insure adequately in all areas pertaining to health insurance as you are more insurable and more likely to be still very healthy. This means that the premiums you are paying can be relatively affordable and cheaper.

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