Thursday, August 31, 2006
How to Work Out Your Plans for Life Insurance for When You Get Married
What is your plan for life insurance? Do you know reliable sources of unbiased information?
A wise program of life insurance may save you many hundreds of dollars over the years and give you better protection. Those concerned with the larger problem should read the more extensive discussions elsewhere. Obviously, the amount of life insurance that you can get depends heavily on a number of factors. The internet is a good source of information regarding different types of life insurance. Obviously you can also contact your insurance broker, if you already have life insurance, and find out what options there are for you to change your policy to cater for your change in circumstances. It is worth researching life insurance extensively before you actually get married to ensure that you have the best policy to suit you. Also ask your married friends for their recommendations, you may even find that it is something that they haven’t sorted out for themselves and you would be helping them too!
We shall limit our discussion here to what you should know about life insurance before you marry. For the sake of brevity we shall present it in the form of simple statements.
- The insurance needs of the family vary with its development. Insurance should be planned so that there is a very high coverage while the children are still small and a much lower coverage after they have become self-supporting. This can be done by taking out term insurance, which costs about half what ordinary life does, and automatically expires after a given term of years.
- The purpose of life insurance is to protect dependents.Therefore it should not be taken out before there are dependents (which may include creditors) who need protection. Policies should be taken out on the wage earners to protect dependents, not on the dependents themselves; that is, on the father, rather than on the children.
- Insurance is best not combined with investment. For the ordinary man there is one sound investment - government bonds. A bond-buying policy plus term insurance will give greater protection than an endowment policy. Government bonds are also the best method of saving for the future education of children.
- It makes considerable difference with which company you take out your policy. With some companies, the same protection may cost as much as fifty percent more than with other companies equally sound. Insurance agents are engaged in an honorable and important task, but they are not always the most unbiased and reliable sources for information on life insurance.
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How to Work out What to do If Either You or Your Future Spouse is Excessively Dominant or Excessively Submissive
If one or the other of you is excessively dominant, or excessively submissive, what should you do?The seriousness of dominance or submissiveness depends largely upon what it means. Here are some of the reasons why people are one or the other:
1.Past experiences.
2.Energy output.
3.Personality disturbances. The desire to dominate or to submit may indicate a lack of basic harmony in the total personality. Some people are so baffled by their own inner problems that they do not want to feel any responsibility for the outside world. They therefore long for some dictator who will relieve them of any such responsibility, and tell them exactly what they should and should not do. Others prefer to retreat, not in themselves, but from themselves into all kinds of outside activities. Still others, not knowing how to change themselves, become convinced that the trouble must be in the outside world. They find plenty wrong to support their beliefs. Since they cannot adjust to the world, they must strive to make the world conform to them.
All dictatorships, in a country or in a family, express essentially the same psychological distortions and end up in about the same place. Mental attitudes should be taken as seriously as physical disorders. Most couples now accept the idea that they should be physically fit before they marry. When Ruth's physical examination revealed that she needed a major operation immediately, both she and George postponed their marriage until she had become well enough to assume its responsibilities. Couples must learn to take the same attitude toward mental attitudes. Excessive dominance or submissiveness may indicate serious personality difficulties which should be cleared up before any marriage takes place.
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