How Important is Insurance for Your Occupation?
May 15, 2015
Do you work to live or live to work?
In a world almost built on the idea of constantly attaining material objects, our priorities get skewed and we forget what should matter most.
Our health should be our top priority. However, our work life makes that choice for us, it unknowingly gets the most of us mentally, physically, and even emotionally.
The majority insures what they think are the most important assets — material possessions like home and car. We often tend to leave what should be regarded as the most important asset unprotected – our life!
Essentially, the most important asset is our life and ability to work and generate income. Perhaps, greater than the current value of our home.
With the heightened chance of Filipinos meeting injuries or being diagnosed with a serious health condition, can you really afford not to be protected? No.
What type of occupation requires insurance?
Most say that life and accidental death insurance is an unnecessary expense, yet they are unaware that they may need more insurance protection than they actually think.
You might want to consider getting an insurance policy if:
- You are spending 100% of your working time in an office environment.
- You are spending 50-70% of your working time in an office environment and doing manual labor 30-50% of the time.
Whatever your occupation may be, the rule of thumb is, the riskier your job, the more you need to be protected. Some of us disregard the idea of obtaining a policy because of its additional cost, which is why there are low-cost insurance plans, which offer full coverage without breaking your budget.
What are the benefits of availing insurance?
When the worst things happen, life needs to continue, bills will keep coming, tuition fees need to be paid, and your family needs to eat. You and your family need something to fall back on, in case the unfortunate happens.
The benefits of insurance makes certain that your family or anyone who depends on you will not suffer financially when you pass away, it will be their security blanket.
Of course, you would not want to leave your debts for your loved ones to shoulder. Help them feel secure, even as they go through that difficult time.
Other than removing the unnecessary financial restraint from your family, insurance also shields your family from a painful transition.
Regardless of your occupation, you definitely deserve insurance that can be customized to your needs. The right insurance policy protects not only your savings, but also your family against the unforeseen; providing you all with income should you be unable to provide for them.
That's just how important life insurance is, because you don’t just live to work.
Back