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eServe Newsletter May 2014
In all the above situations, the proceeds from a life insurance policy can help your loved ones continue to manage financially during the difficult weeks, months, and years after your death. If you're still not sure whether you should buy life insurance, ask yourself a basic question: If I died today without any life insurance, will my family need to compromise on their basic needs and make substantial financial sacrifices? If the answer is yes you definitely need life insurance. Make a wise decision today and purchase adequate life insurance as per your requirements.
Don't forget accident and disability cover
In today's world, accidents and mishaps can happen unexpectedly at any moment. According to a recent media report, one serious road mishap occurs every minute and a person dies in an accident every four minutes in India.
Just imagine a situation which happens if you can’t work?
What will happen to your …
monthly expenses?
monthly installments for car/house etc?
child’s education?
savings?
Buying a personal accident and disability cover can help you to remain financially secure in case of such a mishap. Some people have group disability income protection which is provided by their employer. However a benefit of having your own disability insurance is that your own policy will follow you if you change jobs. An employer provided policy is becomes void when you leave the company.
So what are you waiting for? If you don’t have a personal accident and disability cover it is just the right time to buy one. Remember you never know when an accident may happen.
Retirement calculator
Note: In this calculator we have used a sample minimum amount of Rs 20,000/- as present monthly expenses. Actual expenses may vary depending on your lifestyle. In the above calculator we have assumed a standard life expectancy of 85 years. While planning for retirement one should keep in mind the fact that regular income is required for as long as you are alive.