While nothing is more uncertain
than a single life,
nothing is more certain
than the average duration of a thousand lives.-Elizur Wright (1804-1885, American mathematician “Father of Life Insurance” for his pioneering work)
The prospect of purchasing a life insurance policy rarely crosses young minds. You're just starting out in life with a picture of perfect health. Life insurance is for someone else, someone older; possibly ill, or whose health is visibly degenerating. But in the event of the unthinkable occurring, is your family secured? If anyone depends on you... a husband, a wife, child, parents, siblings, or any relative... you need life insurance.
Life insurance is a legal contract that promises a payout to certain beneficiaries in the event of the untimely demise of the insured, usually a lump sum payment. Often, exclusions are written in for death under specific circumstances, such as suicide and war. Costs can depend on the health of the insured; whether they smoke, or have any preexisting conditions. Members of young families are the perfect candidates for a life policy. Tragically, they are all too often the last ones who think they need a policy. A couple of stories come to mind, all stellar examples of the huge impact life insurance can have on a number of lives.
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Click here if you're interested in reading about the history of life insurance, and here for a few choice heart warming insurance stories.