Getting a life insurance policy is good, very good. But quite a lot of people are just afraid to get it, especially in this part of the world. They think, "I'm not ready to die yet, so why should I?". Just a little education; life insurance policy (for those who don't know) doesn't mean you're going to die soon, NO. You probably need life insurance; if you have small children, a mortgage, a spouse or family member (aged mother, father. . .) who’s dependent on your income—or any person who would be inconvenienced financially if you were hit by a bus tomorrow . Though no one prays for this. LET'S LEAVE THE DIGRESSION AND STRAIGHT TO BUSINESS This post isn't about the topic of 'Life Insurance'. There are over a thousand websites that can give you info on that. Insurance companies consider and examine some factors which will determine the kind and magnitude of coverage you need, and these will be included in the policy agreement. There are a number...