Why do you buy Life Insurance?

Instead of putting money on iron-biscuit box on your bed like before, nowaday many people save money at the bank. However, there is one more choice also safe and
attractive: buying Life Insurance.

1. PROTECTION FROM LOOSING INCOME
THe higher income, the easier to be lost.
The lower income, the more difficult to accept the lost
Simply saying, people buy insurance because worry that they can "die soon".
Noone knows when they will die. Life Insurance is the mean to ensure that if you pass away soon or not, at the right time or not also can not take away all income
of one family at the same time.
This is very important for Dad, husband with wife and children, all hopes to support for family will go away if he passes away.
The same case of graduated student. This person has a good potential income in the future, if he is still alive. Life Insurance allows parents to go one more step
is to insure for the future income of their children, in case something bad happens.

2. A SAVING FORM
Instead of putting money on iron-biscuit box on your bed like before, nowaday many people save money at the bank. However, there is one more choice also safe and
attractive: buying Life Insurance.
Just need to save the same money every year to buy Life Insurance, the smart savers is ensured to reach their saving target. What does it mean? For example one
person can save 1 million, so how many years he can save 100 millions? 100 years? It is too diffucult. But saving by buying Life Insurance, if unfortunately he
passes away, he will right away get 100 millions. Many people consider Life Insurance as a high-class saving form because of below reasons:
- Regularly saving: the saving fund that you only do when happy will not ensure the accumulation.
- Discipline saving: you commit to place the same money at the certain time every year.
- Although it's your money but it doesn't mean that you can take it anytime: this will remove the seducing of drawing out money for trifling using and
destroy your saving target (retire fund, pension...)

3. CREATING AN IMMEDIATE PROPERTY.
One day, we will have lots of money. One day my business will be prosperous, yes, one day.
But Life Insurance is the only financial mean to create the property immediately. If you buy a mixed Insurance contract with 100 millionsvalue, owing in 20 years,
you are guaranteed that target immediately. If there is nothing happen in 20 years, you will get the same money and some more money according to Insurance contract.
If there is something happens before 20 years, the target to have 100 millions will become true, Life Insurance created the property 100 million immediately.
Bank work base on the principle: "Saving then having" while Life Insurance work base on principle: "Having then saving".
So, the biggest unluck in life is removed instead of having a question mark (?) for life, we use Exclamation mark (!).
Life Insurance is a saving plan self-completed. Other saving forms only reward you when you have enough saving time. Life Insurance pay you right the same money that
you intend to save.

4. PROVIDING FOR YOUR CHILDREN STUDY
If our children have enough education to study at University then parents are smart enough or not to save enough for providing for their children?
Certainly children inherited our gene. It would be too late if we wait until when they go to university the prepare. 10 years before they go to university is the
best time for us to set up a saving plan.
However, for example you have a saving fund for your children study but they can't pass unervisty exam. That would be sad, but at that time you can liquidate the
Life Insurance contract, spend money for a long traveling. Parents are worthy to inherit if their children are not.

5. THE RIGHTS AND INCOME WHEN BE HOSPITALIZED
Noone say guess about our health. Even the persons can be aware of health also recognize that, every year, our health is going down. The most ironical things is
that people can die by a certain sickness and noone can predict. Insurance companies issue the effective product group to satisfy different need and finance of
customers. They are often supplement product go with main product, the supplement product ease the financial bleeding by the serious diseases caused.
Be hospitalized income insurance provide daily income for hospitalization. Many Insurance companies provide Insurance for dangerous disease. If the insurers get
one of the dangerous diseases accepted to pay insurance, they will get the payment right away.

6. PROECT INCOME IN INJURY
A wrong view about Life Insurance that you just can inherit when you die. This is not right. Death is easy to count but what will happen if we get injury?
Will the
living expense increase? Yes!. Do we have monthly income? No!. What an Unfortunate combination. Still living but getting no income, and living cost increase.
Certainly, your family can take care of you. But it will be easier for them if you provide them money.
An insurance advisor worked for construction says: when he come back to sell Insurance for his old co-workers, he got a warmly support. Why? Because they totally
can recognize the risk, accident can happen especially at unexpected time.

7. A WAY TO MEASURE YOUR VALUE
How much is your value?
For the person buy Insurance with 1 million USD, he must prove the Inspector that he worths at least double. One of the biggest Life Insurance Contract is 25 millions
USD for a life. Almost Insurance companies want to have 25 persons, each one buy contract with 1 million USD than 1 person buy contract with 25 milion USD (rule of
sharing the risk)
Life Insurance allows perople to value themself. Many housewife suspect their value because consider as economic value, they have no "market value". Before being
full time housewife, they also used to be secretary, staffs and they also have their certain value. Now, with the housework all the time, washing, taking care of
children to sleep, housewife sometimes ask themselve their value is still same as before or not? Life insurance can help them to fix price quite correctly their
value. Nowaday a housewife can get insurance with 300.000 USD as normal.

8. A VALUABLE INVESTMENT
How to define a good investment? Normally standard is payback rate. Recently, the rate 10% is considered as an advantage because the bank rate is only about 3%.
But maybe the best define about ivestment must be "the most payment when needed".
Your investment can bring 20% payback rate but when you need money urgently, it's not sure that you can exchange it into cash easily. And if you can, is it the same
value with market price at that time?
When talking about investment, people often ask about the big figures. However Insurance fee average for a contract is only few millions, not big enough to talk about
an "investment". Thus, Life Insurance provide a guaranteed investment...when we need money indeed.

9. SHOWING LOVE, TALKING CARE OF FAMILY
This is the thing that Life Insurance shows the most. Giving flowers to your wife on occasion of Valentine is nice, but buying a Life insurance contract to show your
love with family is totally meaningful. Each father feel that they must buy more house equipments to show their love and caring to children. So he buy encyclopedia
dictionary by installment for his children. He also buy a car by installment for the children to have comfort transportation. Then he decided to buy a piano for
his children. It's gonna be great of he's still alive to pay for all the credits every month. However, if something unlucky happens, the things he bought by
installment will be taken back, break the hope and dream of his family.
The lesson is: "if provide fully for today then be in difficulty later is a love putted at wrong place".
Children were taught to study well not only for today but also for future. By buying Life Insurance, parents show them that: "taking care of their children future
right today then they will take care of themselve in the future".

10. SET UP RETIRE FUND
Seeing the oldman at retire age must work to earn money, we know that planning for a abundance retire is important.
A retiree sadly says: "If there is no money when retiring, our life will be unease.
A normal person can feel that due to a saving fund and family, retiring is not a serious matter. That person also can say: "I prepared enough for my retiring". But
the question has no answer here is: "how long is your retire?".
This is a question hard to answer because noone knows how long their retire will last. Work smark in whole life and let Life Insurance help you to answer: "Why not
arrange right now so when retiring we don't have to keep working hard to have food to eat?"

11. PEACEFUL SOUL

"The death comes to someone everyday and one day the death will comes to everyone"
Death is a only definitely things in this life. A responsible man knows that he prepared well for the thing can not fathom in the future, he will feel light and
peaceful.
However, someone still worry or worse to accept the risk. Living without insurance is a riskiest card playing that we have to suffer. And it will be the worst card
playing because if you loose, you are not the one loose the most but your relatives.
Why to worry when we can be insured? In fact, why do we have to worry while the Insurance company can help us to worry just with a little money?

12. THE RESPECT AND POSITION IN SOCIETY
Some people consider Life Insurance as a branded goods. Not everyone has enough money to buy Life Insurance. Year 1993, only over 10% Malaysia polulation have
Insurance while its 50% in Singapore.
While the motive of buying Insurance can be on the wrong way but the final result is right.
Someone buys Insurance because of seeing this company has brand "A" at the securities market, some others buy Insurance because of seeing that company is famous
at global market.
An Insurance advisor quite succeeded with potential customers when selling Insurance as member card. He says: "You will become the member of a club. If something
happens, all other members will share the risk and ensure that your family will get the money you want. By the way, all the members are high-class, do you want to join?

13. FUNERAL COST
Many people buy Insurance contract with thousands of dollars just for their funeral. They realize that when they pass away and leave the cash for formal funeral, it
will be better for the one who are still living.

14. FREE PROTECTION
Many people don't know that they can be insured free. Is it true?
For example one person pays 1000 USD every year for one year. If nothing happens, he will get back the money after 20 years.In fact, this person got free insurance
with value 100.000 USD in 20 years.
Of course someone will reason that 20.000 USD after 20 years will have a different value, but he must remember that he always bring the umbrella along but he doesn't
use it because of no rain. Should he disregard the umbrella or worse to disregard himself too careful? Of course no. Not everyone says sorry because of being too
careful. The driver always bring along a secure tire but he doesn't want to use it.

15. DANGEROUS CAREER
Due to the work nature, someone must face the risk more than others.
Pilot, fire-fighter, diver, construction workers, drilling workers, police are the one face to the risk more than normal persons. Are they conscious this? Sure.
While trying to avoid the risk as much as they can, they also can do a smart thing is to buy Insurance with a little higher fee to have peace in soul.

16. SECURE FUND FOR BUSINESS CHANCES
When there is a business chance, do people have enough money to take it? The visionary people realize that they don't need fund now but they can get right away if
they need in the future.
In this case, they can invest to Insurance contract with fast moeny making speed. For example: mixed products. They also can borrow an insurance money right on their
Insurance contract with good rate. Moreover, at the same time, they are still insured fully on the initial value. And if something happens, Insurance company will
pay the full value as committed (after deducting the loan). Both ways are good.

17. FOR PAYING BY INSTALLMENTS
When someone buys a house, he feel happy. But that feeling will be broken if he is dead his family can not pay the rest, the bank will get back that house and
sell by the order of court.
A smart work is to pay more money for Life Insurance. If the death comes, the Insurance contract will take one part of payment for the rest members in family. Thus
the Mom and children will not be homeless.
Life Insurance is not a tie, it is the best method to meet the available ties.

18. CHARITY GIFTS
Our society is richer and more modern. Who will buy insurance for Charity.
The first group is the one who do charity for their whole life. To avoid the charity organization is dispossessed the big money from rich patrons, insurers (the
rich) will buy insurance for themselve and write the inheritor is charity organizations.
The second group is the one feel the gift with 100.000 USD per year for charity is not much. By buying insurance with 100.000 USD value and write the inheritor is
charity organization, this person made the money became colossal

19. TO CONTROL THE INHERITORS
There is a story about a rich man divides property for children. After a short time, his children throw out him to the charity house for oldman. Another rich man heard
that, he found the way to avoid this pitiful case, he thought of Life insurance. He invested lots of money to some Life Insurance Contracts and controlled his children
as this thinking, he wanted to ensure that his children can get the property if they respect parents till the life ends.

20. ONE EGG ON EACH BAG
Some persons with opinion of sharing risk wil think so. He thinks it would be smarter to buy each Insurance company one contract, if something happens for one
company, he can lives on other companies.
Some other people think that, every different Insurance company will have different strength. So they buy one kind of Insurance from each company. So that they can
take advantage of the companies' strength and they will have a list of best products.

21. A MEAN TO KEEP ONE'S FACE
The appearance can cheat many people. Some persons look rich but they have no money at bank as well as no valuable property.
Someone used Life Insurance as end.
This person found the way to impressed his rich.
Instead of showing his poor account at bank, he decided to buy an Insurance contract with "colossal" value to keep his face. He behaves like by chance talking about
that colossal insurance contract since then everyone thinks that he must be rich to be able to buy such a colossal value insurance contract.

22. INSURANCE FOR VIP
In some limitted companies, there are often some VIPs and all the business activities as well as company's future depended on these VIPs.
If this person die, the company will have big lost. The smart companies will buy Life Insurance for this VIP in case he die, the company will get a big money to
comtinue business or find someone to replace.
Buying protection insurance for VIP is to protect the life of company but not for that VIP.
The surprise is the companies often insure everything except for human. The companies are willing to insure cars, estate, equipments but when talking about the most
valuable factor is human, many companies hesitate.

23. INSURANCE FOR KEY STAFFS IN THE COMPANY
Beside buying Insurance for VIP, there are still some other key staffs such as Merketing Manager, Project Manager, Factory Manager... or even the best sale staff
in the company are also bought Insurance to attract the tallent work for company. These people are often not easy to replace and buying Life Insurance for key staffs
brings the benefit to both parties, company and staffs.
By using the cane and carrot, via Life Insurance, the company convinced the tallents not to be "the grass is always greener on the other side of the fence" but stay
and contribute for company.

24. FOR THE PLAN OF MAINTAINING BUSINESS
With private enterprises, individual business, although the company's manager is VIP but buying a Life Insurance Contract to maintain the business is more
meaningful. If he buys insurance, when he die, his wilfe and famiy can keep the business by the financial support from Insurance.

25. WHEN STILL CAN REACH STANDARD TO BUY INSURANCE
Is your health still fine? You don't see the doctor recently? If so, let invest to your health.
Don't think that your good heath is evidence. Let thanks God for that and buy Insurance right away before too late. Noone wants to be at the hospital, you can ask
hospitalization register to know.
Someone laments: When I don't need to buy Insurance, many agencies came to invite, when I need, noone comes". He means ironically that he doesn't have enough
health condition to buy Insurance anymore even when his best advisor also can not help him.
His tragedy: We don't have enough money to buy Insurance when we stil reach standard of buying, but when we have enough money, we can't reach standard of buying
anymore."

26. USED TO BE REFUSED
One person wants to buy Insurance but was refused because he has medical history of epilepsy and hepatitis. Luckily for him, another Insurance company with different
conpension rate accepted his insurance request profile with condition that he must pay an extra fee for health condition under-standard. He was very happy because he
can buy Insurance at the limit that he can.
Everyone is required to apply the insurance request must speak out their insurance refussion (if they have) from other Insurance companies. This will help them to
avoid the argument about contract validity.

27. BE A MILLIONAIRE WHEN HE DIE
A poor man knows that he never can be rich. The found a way is to be a millionaire when he die.
People seldom were born to be rich, also seldom married rich husband or wife, fortunately, we can choose to die in rich.
If one person places @5 income in 25 years to buy Insurance, he can die as a millionaire.

28. WHY WE HAVE TO DIE FREE?
When we die, we must ask someone to pay us. Of course without Life Insurance, our relatives must pay. But that is not what we wanted.
So please let insurance company pay for your funeral. Do not release Insurance company such easily. This is especially more interesting if you hate insurance
company. For example, an insurance advisor of one ABC insurance company ask to pay for you. Let that company insure you!
There is a basic principle: "There is no Insurance total amount bigger than insurance money paid by insurance company".
This means when contract owner still maintains paying fee, the money that insurance company pay will always be bigger than total amount you pay. It means when you
pay 1 USD for company, you will take back 100 USD vis post after 60 years old, are you willing to pay 20 cents in advance for stamp every months?
If you don't have any Life Insurance, you will die without any cents pf payment.



29. SEEING THE ADVANTAGE OF LIFE INSURANCE:
Noone sees how insurance works, what people see is paying insurance fee.
But they are moved at the funeral of their close friends because they can see the difference of cheque paid by insurance. At the funeral, the widow cried 2 times, one
for her husband's death and the second for the broken dreams. There is no settle income, all the dreams and hope are broken.
Bue due to the smark planning, the deceased person predicted and bought insurance to bring up children to university and support the wife when retire.

30. INCREASE ABILITY OF MARRIAGE
Shall we criticize a young guy wants to show his love and duty to future wife by buying his own Life insurance?
He is affirming his duty  to future family and wife.
At the mass at church, the Priest will ask: "What is evidence for this love?", the wedding ring will be evidence for unchanged love. The Priest also can ask: "And
another evidence which you both think for your partner more than yourself?", hope that the answer will be Life Insurance.
Marriage is wonderful but there is nothing as real as having enough Life Insurance to ensure that the dreams, ambition are not the palace on sand.

31. ACCUMULATE PROPERTY
Whenever having extra money, some people often call insurance advisor and ask them if they have new product? These persons often consider insurance contract as a
property that can be owned.
Estate relate to a big money although it is deposit or annual installments, 10% of 600.000 USD for an apartment 60.000 USD. People see that insurance expense is
more feasible than deposit or installments. Because only with 500 USD/month or 6000 USD/year, people can be on the way to own estate with 600.000 USD.

32. PROMOTION AND BENEFIT INTENSIFICATION
Sometimes people are attracted easily by promotions or intensification attach with insurance contract more than insurance contract. Maybe they think that insurance
products of insurance companies are the same generally, so people often choose the insurance company with vouchers, discount at hotel, restaurant, gifts...
But the importance is they bought Life Insurance.
It can be explained as below: Life insurance is like we own an umbrella. When it rains, the umbrella is really useful, but sometimes it doesn't rain, they open
compare to see whose umbrella is more beautiful and modern. But the main thing is the umbrela is ready whenever it rains.

33. BE AFRAID OF GENETIC DISEASES
Nowaday people check their health to buy insurance. But they also observe their parents, the one older than them few tens of years. They realize that maybe in next
few tens of years they also get the diseases as their paprents. What if they also get genetic diseases?
Some genetic diseases transfer from generations. Maybe it can't be seen at one generation but it can be back the next generation with the more serious intensity.
Thus when still having enough time, smart persons will buy insurance to prevent that risk.

34. FEELING OF TIME
"Time is property". An advantage of buying insurance is right before birthday. The life value intensify by time.
"Life insurance is like a joke. The older you buy, the more expensive you pay and when time is ended, noone sells to you however expensive it is".
You had better buy insurance when being young. Foresighted parents should start the plan to accumulate for children. When they grow up, they can continue the
contract with the low insurance fee.

35. COMPLETE A DREAM.
The basic purpose of Life insurance is to help people make a dream come true even when he is not there to do it (of course, if he lives a long life, he can
do it). Second, if he is still alive till the end of contract, the insurance will provide finance for him to perform his dream better. Third, if he is alive but
gets injury, life insurance will help him to make dream come true.
This thing explains why the monks also want to buy insurance. What a surprise when the monks who give their whole life to peaceful life also buy insurance? What is
the implication behind? The reason is the monks may have project to re-build pagoda and if something unlucky happens, they still have money to complete the project.
On a dream of a husband, a Dad, the question always is: "I want my family get this financial target or I want them to do it alone".
Dream can become nightmare if it don't get support from Life insurance.

36. AVOID PREDICTION OF FORTUNE-TELLER
The fortune-teller frowns when giving a prediction about coming accident. Be scared from the things shown on palm, people rush to see insurance advisor and want to
buy insurance right away.
Fortunately insurance companies don't take importance of predictions and accept the request. The predictions are harmless but the result is as wishes, anyway they
also decide to buy insurance. People can ask the fortune-teller to predict that they will live a long life and don't need to buy insurance, but we can not make sure
about anything, can we?

37. DOWRY
As Indian custom, Dad buy insurance and save 20 years later for the daughter to get married. By saving daily, a good Dad knows that he will have a big money for
his daughter after 20 years. If he passes away, the daughter still has big property when coming to husband's family. All parents, whatever religion, also realize
that a valuable wedding-present is a thing to show the true love that they give to their children on the "important" day of life.  Nowaday, sexual equality,
it's not important for boy or girl, you love them the same and want to give them the most valuable present on wedding day.

38. CHRISTIAN BELIEVER
The buyers of this insurance type is Christian believer, he thinks that one day people have to answer to God: "I gave you heaven so what did you do for me".
Choice 1: He can say that noone reminds him the time, or choice 2: he can answer that he did the neccessary step to support for the education organization or set the
funds for church or other religion organizations. He will choose the 2nd choise because Life insurance can help him
 Only pay 2% annual income, he can set up a valuable fund. And if he doesn't have enough time to carry on it, Life insurance will help him to complete the rest.

39. GETTING SOMETHING FORE SURE.
The good calculating persons realize that Life insurance is a "reliable" source.
Consider insurance company will agree to ensure that I will live untill 100 years old, with the little fee I pay every years.
If I live until 100 years old, I win, I will take all the money I paid.
If I can't live until 100 years old, insurance will be pubnished and must pay double, tripple or even 10 times what I paid them.
In fact, just need the insurance buyers pay on time, in case of death, the total amount insurance pays is always bigger than what you paid.

40. LOVE THE SUPPLEMENT PRODUCT, SO THEY BUY MAIN PRODUCT.
Some supplement products can be bought independently, some others just can be bought after buying the main product. People call it the supplement product.
For example: many people love the value of supplement product name Serious Disease, thus they have to buy some main prodcuts to have this supplement products.

41. DONATE TO NEXT GENERATIONS THE BETTER CHANCES.
Asian known as willing to work hard to give their children a better future. We read the history of Korean moving to US were willing to sell veg in many hours per
day for their next generation a better future.

42. OUT OF SIGHT OF INSURANCE ADVISOR
It is sad that many people buy insurance to throw the insurance advisor out of sight. Maybe because te advisors are too patient that they must buy. So the best way
is to buy an insurance contract and you won't be disturbed anymore.
Many advisors can deal with the word "No" refuse politely and determined of customers. Why the advisors are still patient, because they can feel the benefit of Life
insurance although customers don't like them. If you have time and well-served, you will trust on advisors and the good relationship will grow.

43. LUCKY NUMBERS.
For some countries, this number is more important than that number. In Quang Dong language numer 8 has pronunciation like prosperous thus advisors often get luck
on Aug 08, 1988. There is someone sold 5 contracts for 5 persons just because it was 8/8/88. Some persons want to buy insurance on Independent day, wedding
anniversary, children's birthday...

44. TO HELP INSURANCE ADVISOR.
Some people think that they will buy insurance sooner or later, thus they don't hesitate to let the acquainted advisors help them.
This also can happen with strange persons. Experience of an advisor can start in a city with few acquaintance. Make a call and "cold contact" with businessman and
hope they will help her to start business. A gas station owner helped her by buying a mixed insurance contract with 20.000 USD, he gave her confidence to contact
to other gas station owners. Continue as domino chess, she has many contact connection.
Many kindness people want to help business beginers. To be the first persons buying Life insurance. All what the advisors need to do to be succeed is to be patient
and willing to let others support you.

45. LESS RISK OF DEATH.
To be a little superstitious, people calculated and show this truth.
But the insurance buyers are not often dead than the one did not buy.
Another thinking, people think that whenever buying Life insurance, their name are on heaven's book and will die soon. On both situations, superstitious feeling
will control the decision.

46. PROVE THAT SOMEONE IS WRONG.
You are not the type want to buy insurance, so to prove that someone is wrong, you buy insurance.
Is there a type of people like and don't like to buy insurance?
yes. The one don't buy insurance are:
a. The one want their wife rich when being widow, as they don't want to leave too much money for children because of being afraid that they will be corrupt.
b. The one think that when they die, they have no duty with family.
c. Some people think that they will have long life and no need to buy insurance.
d. Some people want to compare insurance contract and the cost of this company with another company and never buy.
The one who buy insurance often have a strong feeling that they must have right action and want to do good things if they can. "You can't do charity too early
because you never know too early sometimes means too late already".

47. TOO IMPRESSIVE WITH KNOWLEDGE AND DEVOTED OF ADVISORS.
Many people buy insurance because they see professional advisors work. They saw many temper selling so when seeing a devoted advisor, they don't hesitate to decide
to buy insurance.
One famous advisor with well-serve customers. Beside contacting and give his regards to customers regularly, he is the only advisor send birthday cake to each
customers on their birthday. Even with the group insurance contract, he cut the cake and share to everyone in the company on contract anniversary.
Advisors are the one with resound oh job is to remember well birthday. Some customers say: "Even my husband forgot my birthday, but my advisor doesn't". Of course
good service doesn't pause at bithday card or greeting, it also means we must check the contract condition regularly and update new products for customers.
There are more and more people introduce their advisor to friends, relatives, co-workers. This itself prove the quality and standard of an advisor was increased
mch better in Life Insurance branch.