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by JANE BRYANT QUINN
From Smart and Simple Financial Strategies
for Busy People by Jane Bryant Quinn. Copyright
© 2006 by Berrybrook Publishing, Inc. Reprinted
by permission of Simon & Schuster, Inc.
Jane Bryant Quinn is the voice of personal financial planning for a generation of Americans. On the following pages the author of a bookshelf of bestsellers, Newsweek columnist and popular AICPA PFP conference speaker gives AICPA members a glimpse of her new book, Smart and Simple Financial Strategies for Busy People, which is just hitting the shelves of stores around the country. This excerpt is from the chapter “Your Safety Net.”
for all of us there’s the life we’re living and a potential, different life. Our normal days—filled with work, family, friends, shopping, movies, sports, books—are the ordinary way of the world. But down in the dark lies another life that we might have to face if something goes awfully wrong. Fire, accident, sickness, premature death—you hate to think about it and so do I. But even during crises, good financial-backup systems can support your hopes and dreams. Here, you’ll find the most practical ways of weaving yourself a safety net.
LIFE INSURANCE
You buy life insurance for just one reason: to support the people who depend on your income if you die prematurely. Based on that test, it’s easy to answer the question “Do I need insurance?” No, if you’re single with no children or other dependents. And no, if you’re married and your spouse would be self-supporting if you died. But absolutely yes, buy life insurance, lots of it, if someone relies on you to pay the bills—children, spouse or anyone else you help support.
What kind of insurance should you buy? You want term insurance—coverage that lasts for a certain period of time (or “term”). It’s plain, simple and so cheap that you can buy as much of it as your family needs.
مقاله Planning for Trouble
