Here are four life events which involve a rise in life assurance , typically by buying a fresh term plan, just in case you don’t have one that permits you to reinforce the coverage.
When you marry
After marriage, you would like to secure your spouse’s future financially. Of course, your financial advisor or financial planner can assist you out, but as a thumb rule, make sure that you increase your life assurance cover a minimum of by 5 times your annual income. you’ll consider a better amount, say 10-15 times of your annual income, if your spouse isn’t working.
When you have a toddler
While some family elders might gently remind you of your enhanced responsibility with the entry of the bundle of joy in your world, your first port of call must be increasing your life assurance cover. The coverage should be ready to meet your child’s regular expenses and major future expenses like education in your absence. Thumb rule: increase life assurance cover by a minimum of 5 times your annual income.
Big ticket purchase with a loan
If you purchase an enormous asset like costly car or a home with the assistance of a loan, in your absence, your family may become financially susceptible to loan repayment. The relations may find it difficult to take care of it and might even need to sell it off. to stop this from happening, increase your life assurance for an amount adequate to the quantity of outstanding loans.
Substantial increase in income
Your lifestyle and future goals typically get enhanced with increase in your income. to guard both for the sake of your family’s future, you would like to make sure that your life assurance coverage keeps pace with the financial progress in your life.
It hurts me, I want you to realize
You think I like insulting you for money? It hurts me, I want you to realize your responsibility. You know what responsibility is? Papa, what is wrong? I want to talk about something else. Actually, I..i wanted that I… if you can take me to work with you from tomorrow. So… What? When I used to say this to earlier, you told me, that I didn’t do my masters, some aspirations, etc, to go sell sprays, I have some dreams, where are they nowadays? I have them right now too.
I am really tired today. Really.
You know I am looking for a job for long, I will do that, I just don’t want to waste time. I… I have thought a lot, I want that I stand on my own feet, I have decided. Wow, good. You know mama has so many dreams for me. You… I will do work and earn money and fulfill her wishes, I want that mama stays happy. Ahhh Umar, are you ok? do you have fever? What is it papa. Get him tea. Get him tea. Sit. Okay. I will go get you tea. Okay. Okay. Tea for papa? Stand on his own feet… I am really tired today. Really. Do you want tea or water? Just get water child. Lemonade? Get it. Get it. Today, I met such old relatives that I have not met in ages, is someone left? No one is left. Its good you met them.
Only those met with love, who have daughters, cause
After all, these relatives have complaints from those who live abroad, they meet very little and then, I have gone to my parents’ grave, but some people are not in the world, its good I met those who remain. Yeah. You met them with so much love, but your poor relatives were jealous it was evident in their face. Water. No lemons. Mama. Nothing like that, everyone met me with love. Only those met with love, who have daughters, cause they thought you were looking for a bride for your son. Huh? Yeah, that is possible, but you know my son has selected his bride, and what my son likes, I like. God bless, who is that lucky girl? When we bring the proposal, we will tell them.
he told me to tell you
What is it? What took you so long, I was waiting for you for so long. What is it? I thought you called me cause Umar wanted you to. He will not come, he told you he will come with a proposal this time, then see, he is head strong, he is not even messaging you, he told me to tell you that its his first day at work tomorrow. He got job? No, right now he will work with uncle, he will work. You mean, he will kill pests, become a doctor for plants? Roshni, you don’t want to talk to him, don’t want to meet him till the wedding is fixed. I get that, after all, girls should be careful, but you are upset with him, you are angry.
They came after ages and now
I am not angry with him, I am angry at myself. Roshni. Hey, Roshni. I am going, guests are over, I need to give them time. Wow Roshni, since they came, you are giving them time, you have not given me any time. You have met me after so long. What guests are these? They came after ages and now they don’t want to go? Hey, what is your problem? Are they bothering you? They are really dear to you, you are not giving your friend time, you forgot about your love.
You think, I am mad. I am not mad, you cannot fool me, I know the wrong calls I am getting on my phone, those are cause of you. If I tell Umar, you will see what he will do to you. What did you say? Are you threatening me? You are scaring me with Umar’s name? what if those wrong calls are cause of and now that you are getting married, you are blaming me for it. You want to prove that you are innocent, that will not happen. Roshni, you think so negative.NAVYA.