me and my partner brought a house last year and life insurance has cropped up, of course its a good idea and my partner is keen to have it but at the moment im finding it so hard to talk about it, im 26 and the last thing i can think about is cover for my partner or i dying. im petrified of thinking about it and now my partner thinks im so wrong. I cant help the way i feel and i know maybe i shouldnt be thinking this way but i am. I know i have a fear of anyone close dying around me but the thought of having to have life insurance is frightening. Its just how im feeling inside i cant help how i feel can i ?
2007-02-20 22:07:25 · 8 answers · asked by sweetgirlshell2002 1 in Health ➔ Mental Health
i cant explain how and why i feel like this. im not the sort of person to think ahead, my moto is live life now. Im not being selfish, some people might think this. The thought of dying and thinking about cover for when or if we die is petrifying
2007-02-20 22:32:28 · update #1
Life insurance with cash value don't pay out cash value when you die! Sure you get face amount that is reduced by any loans and missed premiums, but you lose all the cash value! They say its a good way to build savings! How is that so if you lose it all and it doesn't go to anyone when you die? People say you can borrow it. Why do I want to borrow my own money that I paid for? Cash value = scams!
2007-02-21 11:23:52 · answer #1 · answered by Anonymous · 0⤊ 0⤋
It is not correct to post this question with the beautiful nick name you have. Additional details given one day ago has a clear language than the original question. I hardly understand what you want to say. You may revise your question clearly.
If you are worried about taking Life cover policy, do not take it. If you feel that your partner may do something to get the policy amount, nominate somebody. First of all if you do not believe your partner, it is better leave him. All the trouble will be over.
2007-02-21 22:35:40 · answer #2 · answered by RAGHAVAN N 3 · 0⤊ 0⤋
I used to be scared of death too. But as i grew i knew it was bound to happen someday. So now i am not scared of dying but then sometimes wat scares me is "how am i goin to die". That thought is more scarier and petrifying to me then death itself. So like the song goes "Zindage ek safar he suhana, yahan kal kya ho kisne jana".......... take things one day at a time. Sit down with your partner and tell him your fears or anything that is worrying you regarding the above issue. Then with a calm mind think of the benefits of having the insurance. This way u'll know that when you leave, at least the future of your partner or the nominee, will be more secure. Don't rush into it. Since you're not comfortable with this idea, take your time but remember it will be one wise decision that you mite have made regarding your luv one's future
2007-02-22 19:42:08 · answer #3 · answered by Akki's Girl 3 · 0⤊ 0⤋
Everyone dies. Life insurance should be called "death" insurance. It's a comfort to know that when your loved one dies, you won't be left trying to pay bills such as funeral expenses and credit card debt. Those bills don't just "go away". It's a good idea to buy burial insurance too. Having the funeral arrangements made before either of you dies will be a whole lot easier trying to do when you're upset and stressed out because of it.
2007-02-20 22:28:16 · answer #4 · answered by afewideas 3 · 0⤊ 0⤋
just do it and get it over with; overthinking it is morbid and it's normal to shy away from that kind of thought. however, it's just a practical thing to do, like making a will- especially if you have kids or plan to start a family. You dont 'have' to have life insurance but you may find that once you have it, it will just give you that extra little bit of security.
2007-02-20 22:16:47 · answer #5 · answered by majickgypsy 3 · 0⤊ 0⤋
It is not the death but it is an insurance against the death. It is a very good suggestion. Go for the insurance for an amount which you can pay the premium.
2007-02-20 22:28:22 · answer #6 · answered by Anonymous · 0⤊ 0⤋
come on you r just 26 ,why are you thinking that way.its just a formality may be.look at the positive side of it ,you have you own house at a very young age.enjoy .
2007-02-20 22:20:16 · answer #7 · answered by tina 3 · 0⤊ 0⤋
don t be afraid and try to tell everything to him if u can t then tell anybody who is close to u
2007-02-20 22:28:16 · answer #8 · answered by ganesh m 1 · 0⤊ 0⤋