Am i really need to buy life insurance?

Q: Our family's main source of income is my husband. May I ask, as his wife, or i really need to buy life insurance?

 
A: From the overall and long-term consideration, you'd better have a life insurance, the amount may be lower than your husband's life insurance. Yes, now just by your husband's income, to meet all the expenses the family may have more than enough, but not necessarily forever. 

Who can guarantee that your husband is always the same as at present make a lot of money? If he is in poor health in the future, especially after missing his wife's care, such as at present he can still make so much money? Will not be because his company has been restructuring or mergers and acquisitions, relocation or even closure was lay off employees? His current work is probably the most popular industry, but in 2035 there will be any personnel after the excess, or even in danger of being out of the industry? 

If he is self employed or do business there who can guarantee that every thing so well? Especially after losing so a good wife? If he had been suffering chronic illness or disability, but had to take care of the lack of a wife, how much money he has to meet the long term needs of the family and children's education? Only did the poor people who can understand the care of a long hard poor taste.

You may earn less than your husband, may not be out of work, but it does not mean you do not have economic value. You will all the time, energy to take care of a child's life and education, do housework, will be properly arranged the whole family, her husband, the child has a warm, family recreation, so you can have abundant energy, Mr. to work. So, your husband's high income, part of which is coming from you. Just think, if you dot not home, your husband how much money to hire workers to take care of children and housework, he would be dragged home to worry about, his work, business will be a lot of intangible losses. Moreover, if something had happened, he would be seriously affected in spirit, health, the situation is easy. 

If you have a life insurance, in case something happens, you sir have a wider economic capacity to hire workers more than housework and care of children, to cope with the loss of work or business, or even consider a period of time away from work, body and mind .

May your children have grown up, do not consider the problem of child care. But you may face another problem, namely, age, gradually increases, eventually will become an old married couple, each other, look after each other. Than your husband if you go ahead and if you have a life, he had abundant asked people to serve the economic capacity of care. Mr old when he was no longer able to work and do business the old days, the days of easy money has gone. Even his old age, work, business or investment less successful in the end may not have quite enough money to spend old age. If there is a sum of money was lost to him, help him grow old, it is the wife of her husband's last contribution and love of continuity.


If the President earlier than his wife to go, leaving a large fortune, although the wife do not grieve the future cost of living, but there are other worries that when his wife later went along, children may have to pay large estate tax. Where children receive funding to meet this estate it? Wife's (mother's) life insurance can be used to play. If the President to go after and how much property to his wife did not leave, then the savings of his wife's life insurance there are a substantial amount of money to help his wife with dignity. Can be seen, the wife is always the best policy in life insurance.

Some of the wife refused to buy life insurance, for fear of her husband to remarry after compensation. With this idea is understandable, it can not be wrong or right. This involves the feelings between husband and wife, and everyone's understanding and concept of love. Have never had a wife to her husband, possession and control of desires, even if she is buried in the ground, but also want to control her husband to be loyal to Fuji. If this happens, the wife can buy a life insurance, designated for the benefit of children, afraid of her husband's second term interests sidelined wife. Some women, by contrast, feel that if their own path, and her husband work hard, no personal attention, and also a lack of maternal care and children, to encourage her husband if there are suitable candidates, may wish to remarry. She bought life insurance, regardless of the future husband to remarry her husband and children can help solve part of the economic difficulties. Life insurance is one of the continuation of family love, have feelings of love have life insurance.

The wife to buy a life insurance, usually the little money accumulated in the future may need to take back their own use, as if their own money. Since the wife is currently less money than her husband, you should use a variety of ways to save yourself some money. The saving of life insurance is one way. So, buy the life insurance, not only for her husband and children, but also for their own interests. In many cases, the wife did not buy life insurance, because the husband has megalomaniac male chauvinism, and the wife has an inferiority complex, low self-esteem. Only people realize the value (as opposed to monetary value) that they have life insurance. Only when people recognize their value and take into account the best of their ability to care for a loved one's time, will apply for life insurance.