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Every one of has heard a lot about the benefits of life insurance and health insurance . But hardly a few people know how to reap maximum benefits from them. Before opting for any kind of insurance, you need to make an assessment that how much you want to avail and how much you are able to pay. In other words, the amount you get if you are insured depends upon how much you earn and how much you can pay back as monthly or yearly premium (instalments). The insurance policies always work on one principle. You need to pay small equivalent amount as monthly or yearly instalments and on the basis of that you can avail a bigger amount. To make the things clearer, if you want to get yourself insured for 10,000 dollars then you need to pay around 800 dollars yearly or any amount depending upon the source from where you insure yourself along with the type of insurance you are opting for. It is always advisable to make yourself prepared for any circumstances where you need money for getting yourself treated as in case of lack of treatment, you put your life on risk. Along with these factors, you need to see if your policy is providing income protection or not which is getting an equivalent amount as compared to your salary when you are not on job due to these reasons.

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