The current economic situation is forcing many families to give an order of priorities in the expenditure of the household. Life insurance is one of those <expenses> that often arise removed from the priority list and therefore decide to cancel.
Perhaps the reduction in income do think that if people are healthy, to continue life insurance, money that can deal with other payments that need addressing. Nothing is further from reality, we do not realize the big mistake you can make when making this decision.
Indeed, in these circumstances is when one should think and realize that having a life insurance is very important to maintain stability in the event of death or disability of any of the members that support the family economy. Understand that if a person is not flush with money or have a family which entail defaulting on its debts, does not see the need for this insurance, but when you rely on yourself or your input is important to carry on the family, insurance Life should not be an option, we have to deal as a priority and hopefully never have to use it.
Ask yourself, if you had died yesterday What would be the situation of your family from that time?. The answer you will see whether or not you have a life insurance.
In Spain Life insurance mortgages settled about 2,400 each year according to a study by UNESPA. In these cases, the insurance covers the important function of protecting the heritage, because after repaying the debt to the bank and the family be freed from paying the monthly mortgage, it can cope with the household economy, even with declining revenue for the deceased.
Finally, you should know that in Spain there is a record of Contract Insurance coverage dependent death with the Ministry of Justice, which aims to provide information to potential interested to know if a deceased person had taken out insurance with death cover. This information is very useful, because many cases family known if the deceased had taken out a life insurance
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