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2 Insurance Policies You Must Own

2 Insurance Policies You Must Own

 

Insurance is not the most popular topic in any chill-out joints, or any place for that matter. But it is one of the most important personal financial planning issues to address first to ensure a peace of mind.

In the area of personal family and wealth protection, there are 2 insurance policies you must have:

1)      Health or medical insurance.
This will handle the hefty medical bills that will be incurred for hospitalization, doctor’s consultation, surgeries etc. Without adequate medical insurance, you will have no option but to delve into your life’s savings to pay for your medical costs in case of accidents and illnesses. If a prolonged hospital stay is required, you may even be bankrupted by the medical bills.

2)      Life insurance.
This is a must especially if you are the main breadwinner of your family. It protects your family from financial uncertainty in case you lose your ability to earn an income, either due to disability, death or sickness. There are various types of life insurance policies eg term policy, whole life policy etc to suit consumers of different profiles.

Life is full of unforeseen twists and turns; therefore, no financial plan is complete without insurance policies. Good personal insurance policies do not just cover you and your family in times of crisis, they also protect your savings and investments. This is why insurance is such a critical tool for risk management and personal financial planning.

 

Insure yourself, protect others.

Yours,

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profile picThe author of this article is Mr Sean Ong. He is a Certified Life Coach and a Chartered Financial Consultant with more than 14 years of experience in the finance industry. A shareholder with the one of the largest independently-owned financial advisory company in Singapore, Sean also leads a top financial advisory group and has been featured on the local TV and radio. In his efforts to contribute to the society, Sean ran 1,000km over 87 days to successfully raise more than $13,000 for a children charity in Year 2012. He also published a book called “Mend Your Socks!” where sales proceeds were donated to charity. Sean can be contacted at oneprofessionaladviser@gmail.com.

 

 

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