Which Life Insurance Policy is right for me? Lessons to be learned from Westeros’ most doomed family
Nov 12, 2014
Which Life Insurance Policy is right for me?
Lessons to be learned from
Westeros’ most doomed family
All Men Must DieIf anything, the Starks should remind us, not only that good guys often finish last, and that
everyone needs up-to-datelife insurance.
Let the Starks take you through the 8 different kinds of life insurance for you & your family.
Winter is Coming
participating whole life policy
Lord Eddard Stark always knew winter and all its ills were coming soon. In other
words, prepare for the worst, hope for the best. Ned should have had a
participating whole life policy with long-term life insurance coverage and annual
dividend payouts.
“On my honour as a Tully. On my honour as a Stark. Let him go, or I will CUT your wife's throat!”
endowment life insurance policy
No doubt Catelyn Stark would have enlisted an endowment life insurance
policy which would allow her to save for her children’s future. This endowment policy may be a limited term plan, but
it’d be enough for her to save a dowry for Sansa and even Arya.
“The only time a man can be brave is when he is afraid.”
variable life insurance policy
Variable life insurance would have suited Robb Stark because it would offer him permanent
coverage — as he dreamed of a long and family-filled life — and allow him to invest the gold into a sub-account as he saw fit, even able to use his battle winnings off that investment to
pay for his life insurance policy itself.
“Good rangers don’t live long. Bad ones don’t live long either.”
term life insurance policyJon Snow would do well to sign up for a term life insurance policy because as the bastard of a dead
lord and someone who has taken the Black, his life has little bargaining value and thus monetary worth.
Plus, a term life insurance policy—usually set for older or ill policyholders—is limited to a certain
term or period of time and it doesn’t look good for our favorite hipster worshipper of the Old Gods.
“There are no heroes...in life, the monsters win.”
universal life insurance policy
Moving up and down the social and caste systems like Sansa Stark-Lannister does—Lord’s daughter to future queen to disgraced daughter to cast-off
to the “Halfman’s” wife—a universal life insurance policy only seems fitting. With this policy, 16-year-old Sansa will be covered throughout her
life, but she can adjust her premium payments as her financial situation changes.
“She walked fast, to keep ahead of her fear, and it felt
as though Syrio Forel walked beside her, and
Yoren, and Jaqen H'ghar, and Jon Snow.”
limited-pay life insurance policy
The flexibility and individual decision-making that comes with the limited-pay life insurance
policy is the only one that could suit free-willed Arya Stark, if any contract could. She would
enjoy the limited-pay life insurance plan because it covered her for life, but would still
prefer to take more dancing lessons to conquer death.
“Your wolves have more wit than your master. They know truths the
grey man has forgotten."
accidental death & dismemberment insurance
Hopefully, Brandon Stark had accidental death and dismemberment insurance when Jaime
Lannister, with his desire for more incestuous loving, decided to shove him off a castle’s walls.
Bran: “They'll be back soon. Robb will free father, and come back with mother.”
!
Rickon: “No they won’t.”
indexed-universal life insurance policy
Rickon Stark’s current security mixed with his youth may give him the best odds at Stark longevity—
something not reached in health but an ability to stay alive. Rickon’s youth would have us recommend an indexed-universal life insurance policy because it is
permanent coverage, but with the added risk that the young should especially go for by having his profits
and losses protected by the stock market.
There is only one God, and
his name is death. And
there is only one thing we say to
death: “Not today."
How will your family be prepared?
We’ll teach you about life insurance.
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