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The topic on financial protection against uncertainties through life insurance in the event of death often makes people uncomfortable.

However it is not an unpleasant conversation after all, it is actually a worthwhile topic that you will live to smile about. With life insurance from Zimnat you can stop worrying and start enjoying cover.

Simply put, life insurance is the exchange of a relatively small payment of money each month for a larger amount of benefit pay out in the event of death.

You will either live to work and grow old or die young or mature, working and with a family to support. Imagine in a family where everyone’s livelihood depends on your income, the moment that the income ceases everything will crumble. Income ceases because either you have grown too old to continue working or you die.

In the event of death life cannot be replaced but having life insurance will help your family pay for education and providing any other financial security. There is still life after you and you can help maintain it.

Dealing with debt during grieving would really be the worst experience for your family.  Death cannot be controlled, instead of worrying about what your family will do with your debt, you can get life insurance to cover debt which can affect your family.

If you die with unpaid debt your survivors are at the risk of being on the hook for all of your debt or part of it. This can happen if you are a co-signatory on a loan such as a mortgage.

Others may argue that in the event that a person does not die and they finish paying off the debt, it may seem like all those payments were for nothing.

However that is not the case, you were actually paying for protection in the event that you die, something which is unpredictable and you cannot for tell. It is essential to know that you will be paying for peace of mind that comes with knowing that you can take care of your family from beyond the grave in the same way that you would have been if you were alive and that surely is priceless.

It is pleasing to note that no matter your income, life insurance with Zimnat is affordable to fit any budget. And remember the catch is that in life insurance you will only pay a small amount for a bigger benefit.

Often the young and single people think that life insurance is not for them when in actual fact it is for them too. The difference probably lies in the amount of responsibilities that you have and the cover needed may not be as much but still you need it and you need to be prepared for when those circumstances change.

Buying life insurance at a younger and healthier age lowers the price and on a lighter note if you have a bigger heart you can always channel your benefits to other people around you like your parents, siblings and extended family. It does not need to be about your spouse and children only.

Another misconception is that if a spouse has life insurance the other spouse does not need it. In actual fact it is best for both spouses to have it especially where they have children. The loss of one spouse’s income is a financial setback to the family. Life insurance pay-out will cushion the setback.

Formally employed people who have life insurance coverage through their employers need to remember that it is not enough as it is affected by loss of employment and job hopping. It is therefore advisable to get additional cover in the form of an individual policy.

With Zimnat you get the right package that will satisfy your needs and is definitely affordable. Even if you are not physically there for your family or business, life still goes on and dreams can still live. Nothing can beat the peace of mind that comes with knowing that.

Parting advice; stop worrying about financial obligations for when you are not there, simply get life insurance.

Written by Rufaro Vambe (Customer Care Supervisor for Zimnat Life Assurance)