Homemaker insurance - the most comprehensive tool for family happiness

Protecting the family from the uncertainties of life is the core value of life insurance in modern society. More specifically, it is the loss of income when each insured person is at risk and dies suddenly. But a less noticeable aspect is that life insurance for homemakers is becoming an important topic in the notion of comprehensive protection for the family today.

Women are priceless The change in the way we think comes from the fact that society and the law are revising more accurately and accurately the contributions of wives and mothers in every family. In other words, it is an attempt to quantify the hard, unnamed work that the sexes are doing daily and for hours to cultivate their families. It is not difficult to begin to list the "services" that women give to husbands and children, but the cost of replacing them in the case of hiring a maid is still an estimate. can replace hand care of wife, mother in family life. This means that the "quality of service" in all the day-to-day household tasks such as child care, cooking and home-keeping will always be more valuable when it comes to the hands of the employer. family. In addition, considering the structure of division of labor and wages completely inferior to that of men in the Vietnamese society in particular and the world in general, the silent sacrifice of women Ready to pause to pursue your own career to spend the whole family time hard to appreciate because it is really ... priceless. In addition, the statistics on modern family life show a surprising fact: Compared to the death of a husband, the overall loss of both morale and long-term quality is greater. Much more in cases where the uncertainty occurs to the wife, housewife. Double insurance - Homemaker protection The best way to prevent this is double insurance - with both health insurance and life insurance for the mother and the wife. From a purely financial point of view, loss of income from a husband can be completely or partially replaced by life insurance or another source of income. But the same thing is not true on the other side of the hypothesis - the quality of life of the family members in general will go down significantly even if the deduction is from 25-30% of total household income family to hire people to do chores. This makes ignoring homemaker life insurance with the familiar logic of "not bringing in direct income" - suddenly becomes the wrong view. Most especially young families and young children, the full-time role of the mother's housewife will be especially vulnerable - grandparents will hardly be able to help too much in the field. Most important: raising children when the gap of knowledge, value system between generations is too great in today's age. The best way to prevent this is double insurance - with both health insurance and life insurance for the mother and the wife. The advantage of this option lies in two important criteria. First, the cost of living, at the same age and health, the cost of life insurance for women will always be significantly lower than for men - as a result of the persistence of life expectancy. Between the sexes, females tend to live longer than males. Following this, a good health insurance policy will improve the quality of future maternal health care, minimizing the health risks in important milestones such as pregnancy and childbirth. . The currency is the currency ahead of Wisdom The proverbial "forward currency is money" is particularly true in this regard. Time-bound husbands need to take advantage of the new age when they are young to protect the future of their entire family by purchasing comprehensive coverage for their spouse. In general, this is not a long period of gold and will not be repeated a second time when the basic cost of insurance is very low with a very high protection effect. After all, the first insurance period (for 20 or 30 years after marriage) will always be the most important insurance policy, not a substitute for any renewal terms in the future. Bowls of water will not be recovered, health is lost will be difficult to recover completely. The key to long-term family happiness will be only those who appreciate the best values ​​that life has for themselves, to look beyond, to appreciate, to nurture properly the woman of her life.