![]() The death of the breadwinner of the family is not only distressing, but it also brings about financial liabilities. The accidental disability rider will ensure that the policyholder gets paid a regular monthly income which would be a certain percentage of the sum assured for a specified period. A critical illness cover would provide a lump sum amount which is equivalent to the death benefit if the policyholder is diagnosed with any of the covered critical illnesses. Examples of some of these add-ons include critical illness coverage, accidental disability rider etc. To protect oneself against such scenarios, one can consider augmenting the term insurance plan with multiple add-ons or riders. ![]() In such cases, the policyholder’s family may find it difficult to manage expenses. This would impact the income earning capability of the policyholder. The earlier in life you purchase term insurance, the lower the premium.ĭue to unfortunate circumstance, the policyholder may be incapacitated due to an accident or the diagnosis of a critical illness. Life insurance policies are accessible to the masses since they provide a large cover at relatively low premiums. Here are some benefits of purchasing a term insurance policy Including these riders may bump your premium slightly but the value that you would get out of them could be tremendous. Some of these riders include accelerated death benefit rider, accidental death benefit, critical illness rider, waiver of premium rider etc. These riders are quite useful and can augment a term insurance policy by offering enhanced protection. Thus assets that can provide tremendous value over the long term need not be liquidated.Ī term insurance policy can be equipped with multiple riders. Instead, the death benefit offered by a term insurance plan can provide substantial funds to manage daily expenses or for any other purpose. This could have a negative impact on their long term well being. For example: financial dependents may either have to sell the house or investment portfolio to arrange for funds. He will have a chance to transcend and to evolve with some equality for all.In the absence of the primary income earner, financial dependents might be forced to sell assets to arrange for funds to manage daily expenses. For once man will have a god-like control over his own destiny. It-it-it would be a devastatin' blow to our antiquated systems - so now the Venutians are meeting with people in all walks of life - in an advisory capacity. Now, the result of this has been that the Venutians have contacted people in all walks of life - all walks of life. These leaders have decided to repress this information because of the tremendous shock that it would cause to our antiquated systems. Now, I mean, we still have leaders upon whom we rely for the release of this information. I mean, each man - because of their technology, they are able to feed, clothe, house, and transport themselves equally - and with no effort.Why don't they reveal themselves to us is because if they did it would cause a general panic. I mean, they don't have no wars, they got no monetary system, they don't have any leaders, because, I mean, each man is a leader. Except that their society is more highly evolved. Well, they are people, just like us - from within our own solar system. ![]() Nik, nik, nik, nik, nik, nik, nik, nik - Swamp. Mmmm, well, that don't make 'em runnin' scared. Oh yeah, they're gonna talk to you, and talk to you, and talk to you about individual freedom, but they see a free individual, it's gonna scare 'em. 'Course, don't ever tell anybody that they're not free 'cause then they're gonna get real busy killin' and maimin' to prove to you that they are. I mean, it's real hard to be free when you are bought and sold in the marketplace. But talkin' about it and bein' it - that's two different things. ![]() Oh yeah, that's right, that's what it's all about, all right. What the hell's wrong with freedom, man? That's what it's all about. All we represent to them, man, is somebody needs a haircut. They're scared of what you represent to 'em. You dig? They think we're gonna cut their throat or something, man. Hey, we can't even get into like, uh, second-rate hotel, I mean, a second-rate motel. Man, everybody got chicken, that's what happened, man. I can't understand what's gone wrong with it. You know, this used to be a helluva good country. It looks like they're standin' in fertilizer. ![]() I thought most jails were built for humanity, and that won't quite qualify. I'd love to mate him up with one of those black wenches out there. Look like a bunch of refugees from a gorilla love-in. Well, one of them darned sure is not Oola. I know one of them's Alley-oop - I think. You know, I thought at first that bunch over there, their mothers had maybe been frightened by a bunch of gorillas, but now I think they were caught. ![]()
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