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Buy term & Disability Insurance if you have a home loan:
Most of us take home joan for buying our house. You will never want your family to get burdened with your outstanding home loan. In case of an uncertain event like your death or disability, your family will have to repay the home loan and pay EMIs; and if they are unable to repay, the bank has the right to take possession of your house.
You will never wish this to happen. So, it is always advisable that you make sure you buy a Term Insurance cover equal to the home loan amount. Term insurance will pay the sum assured to the nominee in case of your death, and the loan can be repaid from the insurance proceeds.
Additionally, you should also buy a serious disease disability (Critical Illness) cover as well as Accidental Disability insurance cover equal to the home loan amount; because your term insurance will not pay you incase of any disability; it will pay only in case of your death. Your income will stop in case of accidental disability or serious disease disability like kidney failure, paralytic stroke, etc.; and you will have to pay the EMIs. So, in this case, the insurance company pays the sum assured / or weekly benefit in case of critical illness / accidental disability, which serves as an income replacement and you can continue paying the EMI’s.
Buy home insurance:
You buy your dream house, furnish it well and install latest fancy electronic equipment in your house; but never think what will happen in case of your house catches fire or there is a burglary in your house when you are out for a vacation with your family. To cover these risks you should buy a home insurance. Home insurance covers the loss or damage to the house and its contents in case of events such as fire, earthquake, lightning, floods, etc. It also covers the contents of house including domestic appliances and electronic equipment in case of theft or burglary in your house.
Write a WILL
You buy your dream house so that you and your family can live happily. The biggest problem arises after your death. The predecessors, your siblings and children fight for the assets you have left especially your house. So it is advisable to write a WILL if you own any assets, so that your assets are inherited to the people you wish to. The ownership of your house is passed on to the person you wished to hold in the event of your death.
This gives you a sense of security and satisfaction. I know, I have scared you by now by asking few questions but these are the certain things you should do so that your house is secured in your absence. By doing this, you can at least have piece of mind, that your house is secured and your family doesn’t have to face any problems. Now it’s time to open up your files, check whether you are insured adequately (if you have a home loan), buy a home insurance and write a will. You can now say, “Yes my house is secured, even in my absence!”
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