為什麼有人需要人壽保險？
為什麼有人需要人壽保險？
 Once upon a time there was a very rich man. He owned a number of businesses which he had started himself and which he had built himself. Altogether, he employed close to 20,000 people. That means he created opportunities for 20,000 people to support their families and lead their own lives. He understood that he could never have built his business empire without the dedication, hard work, and loyalty of each and every one of those men and women. He took good care of them. He paid them well. Lots of bonuses, lots of benefits. He was very community-minded. He knew that no man, and no family, was an island unto itself. We need each other. We need each other in times of natural disasters, and human tragedy, and family distress. When people lose their job, or get sick, or maybe lose their home, they need a helping hand. He always made sure his hand was ready to give. He took it upon himself to help many, many people. He gave generously to community service organizations. He made sure that families who were suffering had the means to weather the storm and remain together. When people in need came to him, he helped them get back on to their own two feet. He was an extremely dedicated family man. He loved his wife dearly. He was always there for his children. Everything he did was really for them. He wanted them to have the best of everything. He especially wanted his son and daughter to have a great jump-start in life. His entire estate the houses, the businesses, the valuables - was going to go to them when he passed away. One day he had a lunch meeting with his friend who was an estate planning attorney. His friend made the following observation: You know, you are quite a person. You have done such a tremendous job building a life for yourself. All the people you employ, all the people you help. How fortunate your family is to have you as a provider. But heres the problem: God forbid you die tomorrow, this entire wonderful world you have built collapses. Without you and your broad shoulders, the entire enterprise stops in its tracks. You can imagine that our friend the Rich Man didnt like hearing that at all. He had indeed put so much of himself into what he held to be precious. It would almost be an act of betrayal for them to lose it all when he died. I mean, shouldnt he make provisions for their care after his death? Why shouldnt the show go on? So many people have become dependent on him. So, he bought a bunch of life insurance. Life insurance to make sure his family wouldnt have to sell half his assets just to pay the governments estate tax bill. They wouldnt have to sell the residences or family jewels. The heirlooms could stay in the family. He bought life insurance to enable his businesses to keep running. People would be able to keep their jobs. Vendors would get paid. Clients would receive service. The management team would have enough money to keep going and growing. He bought life insurance to fill the coffers of charities doing noble work in his community. Hungry people could get fed. Homeless people could get shelter. Unemployed people get retrained for new jobs. Life insurance made it possible for the great work this man had been doing to continue. And because life insurance is such a great deal financially, the cost of this planning was literally pennies on the dollar. Each dollar of life insurance benefit literally cost him a few cents. Of course, it was this financial wisdom and eagerness to take advantage of a great deal that made him rich in the first place :) Would you like to keep learning? Read my blog: planrisklive.com
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