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Why Many People Feel not Need Life Insurance?

Why do people tend to be lazy discuss the topic of life insurance? Indeed, they avoided talking about the insurance because it deals with things they did not like. Fair is not it? If we-say-not like with an artist, then we are certainly not reluctant to talk about it. Death, accident, disability and illness. The words that hopefully we have never experienced it. Everyone may hate the situation. Unfortunately by being so mean they avoid a daari a vital part of financial planning. All people must have died not, and 80% of people would die through critical times. Accidents that cause disability can happen at any time, without prior notice. Many cases have emerged where the family was left suffering for years due to the breadwinner dies. Why are so many people who do not believe the Life Insurance? Everyone wants to go to heaven, but nobody wants to die, just a proverb. As a religious person of course, we must be sure and sincere that all people must die, right? People will surely believe in insurance if he believes that his family would receive some money at a critical moment.   The problem is to get the protection that we should spend some money. And we do not get anything at the time we pay the premiums. Unlike clothing or food that can we use or eat while we're willing to pay money at the cashier. So when people do not want to spend some money to protection (which may not be felt directly as a result), that's when he will issue the reason that he does not believe in insurance. Ironic, because he would sacrifice the continuity of family welfare if he is unable to produce poorer because of critical illness, accident or even death. Then why do most people avoid a life insurance agent? A fact that life insurance is one product that is very hard to sell, because it addresses things that happened unwanted by consumers. Due to the fact tersebutlah many insurance marketers sometimes use way too much "force" that annoy the consumer. And the instinct of everyone is not like pressed. As a result of this negative perception is that many families left behind in a state that is not financially protected. It is important to separate the dislike against LIFE INSURANCE PRODUCTS (and their need for life insurance) or dislike towards him MARKETING AGENTS. Why are many people who feel no need life insurance? Again this is perception senuah very unfortunate but it was generally accepted, because it is influenced by good information and bad, right and wrong. Most people actually feel no need of insurance in the state do not understand the concept of life insurance itself. Since most news about life insurance is bad, so this is shaping public opinion and then do not like life insurance. Agents are annoying, a waste of money, pray for the dead quickly, and various other reasons raised by the actual lack of understanding will lead to the concept of insurance. And this is precisely the form the mindset that they do not have insurance. Try to be wise to put aside their negative perceptions and neutrally assess in advance the benefits of life insurance. Do you really did not need it? Or just really need it? Why do many people feel they have no money for life insurance? The problem of money here is actually not a problem to have or not, but whether life insurance is placed on the priority "spending" or not. Due to competition from products or other investment that is clearly more real will make people feel insurance is not a top priority. This is the main priority of "benefit" would not you feel now. Remember the old adage: "do not start digging a well when you're feeling thirsty, because it has become very late." Why do many people hesitate to insure themselves? Delaying the general character of human indeed. And we certainly will continue to try to think that we will be healthy forever. Such thinking would mebawa people to keep stalling. Until the time the incident that they feared had come, for example critical illness, they will be able to think positively about insurance. Why show a general perception that the more profitable forms of investment other than life insurance? If you can ensure your financial well-being kelaurga and warrant that you will live long, maybe an insurance product will become a less attractive product than other investment products. The primary function of insurance is financial protection when needed, ie when people die or become disabled due to critical illness or accident. Moreover, insurance is not an investment product, so do not think to make a profit from insurance. Why do rich people feel does not need insurance? The rich usually have a lot of wealth in the form of immovable property, and they very rarely actually "thicken" the contents of his wallet with the money. When all the property embedded in goods do not move, then chances are the cash available to pay or a sudden need of expensive medical accounts will be very small. Life insurance will protect a critical time so they do not have to liquidate their assets at the wrong moment. Imagine if you should sell your car to pay the hospital costs, in addition to bother, maybe you will not get a very good price because it all done in a hurry and needed money. Why do many people feel that life insurance is only for rich people only? In fact they probably do not need anymore because they already have "something" that passed for his family if the head of the family died. Then how the "middle", if to put aside 10% of their income alone is not capable, then what if they lose 100% of their family income? "Your income can be used to buy a new house if your house without insurance fire destroyed ditelah "Your income can be used to replace the car if your car is damaged without insurance" "Can your income be replaced if you die without insurance?"