Why Purchasing Life Insurance Is More Than Just About Death
Everybody knows that there is really only one certainty in life. At some point, (hopefully in the very far, very distant future) we will die.
Why is this such a taboo topic, one that people feel awkward talking about? Of course, we don’t need to be moping all day, worried about when that day will come, but it really shouldn’t be so difficult to prepare for it properly.
Historically, one of the most common ways that people have tried to plan for death, is by taking out life insurance policies.
This is all good and well, but what if we need to put those life insurance premiums to a more life worthy cause before we actually die? What good is it, if before we do die, that the life insurance policy we have can’t provide any assistance in the event of a life-changing illness or another tragedy?
Locked in policies where you can only get a payout 30-years down the line - no, thank you.
A thousand intrusive questions about your day to day lifestyle - go away, please.
A rigorous medical exam to ensure you are not about to croak - don’t be silly.
Enter Bequest stage right
The old way of doing things is outdated in many ways. That’s why it’s time for new companies run by people like you and me to enter the market and make life insurance a more appealing product.
With Bequest, you can change your cover as your life changes. If you get married or have more kids, you can up your sum insured without having to take out a new policy! It's no problem. You can just chat to us online, and we'll update your policy for you!
And the onboarding process is more like signing up for Netflix than the old days of life insurance where a million questions and multiple forms needed to be completed. In fact, you can zip through it all while enjoying a latte.
Most importantly, there is no need for any medical check-up. By incorporating things like deep data and research, Bequest can already work out the risk level of your policy from less than 20 questions.
Oh, and do you remember that latte you were drinking? Great. The daily price of your monthlly premium, is now quite likely to cost you less than that thanks to the fact that Bequest cuts out the middleman and brings the savings straight to you.
It’s no longer all about death
As mentioned earlier, life insurance policies no longer need to just be about what happens when you die. With Bequest, if you are expected to pass away within 12 months, you are able to receive your cover amount in advance of your passing.
Life insurance can be just as useful to you and your loved ones while you’re still alive.
However, there is absolutely nothing strange about preparing for the end, especially when you start to take on new responsibilities in your life. Homes, partners, children. All of these factors make your life what it is, but it is also natural to worry about how it affects those closest to you.
With us, these big concerns are turned into a simple and intuitive process that will leave you with peace of mind. And one that will allow you to focus more on enjoying the time that you have while you’re here.
While you're here ...
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