Title: When applying for a mortgage [Print This Page] Author: Sarer69 Time: 2023-6-11 13:11 Title: When applying for a mortgage Another good time to take out health insurance is at the time of taking out a mortgage . It is normal for banks to offer health insurance along with the mortgage, because they are interested in that, even if you die, you can repay the loan. And you are also interested, especially if, as in the previous case, you have a family. Otherwise, your family will be responsible for said debt (or have to leave the house).
Of course, it should be noted that, despite the fact that banks often offer health insurance along with the mortgage, these insurances are not usually the best option. You should look for other insurances that offer broader coverage and policies that Belgium WhatsApp Number List better meet your needs. We were simply mentioning it as an example that, indeed, the bank is interested in you being insured. And you too.
Continuing with the above, if you take out a mortgage, since the insurance they offer you will not be the best, it is best to choose the mortgage option without insurance , even if it is a little more expensive. Afterwards, you can look for insurance with better benefits in any other insurer. But, as always, do the numbers. Perhaps the bank's option is better because of the substantial reduction in interest rates that they offer you. It all depends.
When we have a dangerous life
Perhaps the subtitle is a bit radical, but we are referring to the practice of some risky sport or some dangerous job. It happens that life insurance not only ensures an economic benefit for family members in the event of the owner's death, but can also ensure a disability pension for the same .
Therefore, if you are a person who practices risky sports or assumes any type of equivalent risk, taking out life insurance may be a good idea. Of course, keep in mind that, in these cases, it is possible that the cost of the insurance is a little higher, because the insurer will also be assuming a greater risk .
Who is the beneficiary of life insurance?
As we have been saying, life insurance usually integrates disability insurance . In this case, the beneficiary is the contractor himself. However, for the "life" part of the insurance itself, which comes into play in the event of the death of the contracting party, the beneficiary can be any person freely designated.
That is why it is normally a family insurance, and, therefore, contracted between the ages of 30 and 50 (in general terms), because the contracting party usually puts the couple as the beneficiary. In this way, in the event of death, the family can have a livelihood to overcome such a difficult situation (both emotionally and economically).
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