How often are you dissuaded from doing something because it seems too easy? You could be given a health tip – ‘take a few deep breaths every time you feel stressed', or an exercise routine – ‘tone up in just five minutes a day', but you don't take it seriously or incorporate it into your daily regime. It's too simple.
That's what people might think about selling products – online or otherwise, if it's too easy people think there must be a catch!
Not so when it comes to online life insurance. Not only is it easy to source – just a few clicks of your mouse and you've got a quote or a policy purchase – it's also the easiest way of securing peace of mind when it comes to looking after your family should something dire happen to you to cause your premature death.
Online life insurance is a worthwhile investment at any age but it does work out cheaper the younger and healthier you are. Plus you can save half the cash on your premiums by buying a policy online, and you are assured of getting 20 per cent of your money back after 10 years, tax free. You don't need a medical examination to qualify for cover for your entire life if you are between the ages of 20 and 65.
Should you fall prey to a terminal illness, seek solace in the knowledge that the policy will pay out cash up to 12 months before your death. It makes sense, particularly if you have dependants – you would rest easier if you knew that your spouse, partner or children were provided for financially after your death. On average, you need R1 million insurance to every R4 000 of income – use the website cover calculator to work out what is relevant to your situation.
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