During the consultation period. You should fully explain what life insurance is and what are the differences between types of life insurance. If properly explained you would need to cover that topic.
Only Whole Life policies provides living benefits .
disability insurance.....
disability insurance.....
A short term insurance benefits people who are between jobs, waiting for employer benefits, temporary or seasonal employees or a non-U.S. citizen temporarily living in the U.S.
Discuss the situation with your parents and a social worker. Check if you are entitled to social benefits payments.
Disability insurance covers you in case you are not able to work due to a disability. This may pay for your bills, medical expenses, and other costs of living.
Living as a risk
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The main purpose of life insurance is to get life benefits at the insured's death, to be paid to the family or business, charity, trust, etc. However, there are many "living benefits" of life insurance, that may be paid if the insured survives an accident or illness, but is unable to work for a period of time. Other benefits are paid in a lump sum at first diagnosis of a covered illness: cancer, stroke, heart attack, Alzheimers, major burns, etc. These are optional riders that can be added to your life insurance policy.
I would say when you die its very necessary for the family/next of kin, so they can pay all your funeral cost and bills you have left. ANSWER: Today's life insurance will pay benefits not only at death, but also in the event of illness, accidents, job loss (see life insurance with mortgage protection feature, disability benefits, etc). Talk to an experienced agent to help you choose the most comprehensive protection with living benefits, not just death benefits.
Long term care insurance typically covers assistance with activities of daily living, such as bathing and dressing, when a person is unable to do so themselves. The insurance may also cover care received in various settings, such as at home, in a nursing home, or in an assisted living facility. Additionally, long term care insurance may have waiting periods before benefits kick in and may have limits on the amount of coverage provided.
living together for mutual benefits.