Curhat kok sama suami Atau Istri orang, Curhat Itu Cukup sama ALLAH saja?
Tentunya, curat terbaik bagi orang yang sudah menikah ialah pada pasangannya. Bukan malah pada pasangan orang lain.
Ujung-ujungnya, yang terjadi malah perselingkuhan! Naudzubillah... Sudah ada buktinya loh.
Curhat alias mencurahkan isi hati kepada orang lain. Suatu hal yang lumrah dilakukan seseorang terlebih kalau sedang ada masalah.
Hanya saja, berawal dari curhat dengan lawan jenis, kadang kala 'benih-benih' perselingkuhan secara nggak disadari pun tumbuh.
Hal tersebut juga pernah dialami oleh bunda tiga anak, sebut saja namanya Fanni.
Selama ini, suami Fanni memang kerap dinas ke luar kota. Waktunya pun nggak sebentar, kadang baru pulang ke rumah tiga bulan sekali.
Saat itu, kebetulan Fanni dikenalkan sama seorang pria terkait pekerjaannya. Awalnya mereka cuma berteman.
"Ya, tapi lama-kelamaan saya sering cerita sama dia. Awalnya cuma seputar masalah kerjaan karena saya merasa klop dan nyambung banget kalau ngobrol sama dia. Lama-lama, saya mulai cerita soal kehidupan saya. Saat itu, saya merasa menemukan orang yang mau mendengarkan saya ketika saya menumpahkan apa yang saya alami dan jujur aja, saya merasa nyaman saat sama dia," tutur Fanni.
Kala itu, memang rumah tangga Fanni sedang nggak baik. Jarang bertemu suami dan komunikasi yang nggak terjalin dengan baik membuat Fanni makin merasakan kenyamanan dengan si pria yang kebetulan juga sudah menikah itu.
Even though your initial no medical exam term life insurance quote was for $119, the average you would pay over the term is $182 per month. Over the course of 20 years, that means you’re paying $15,120 more than if you found a level term policy for $119 per month. Level term policies are usually more affordable since premiums can vary based upon factors other than age, and the insurer can better price your risk profile.
Another product you’ll want to look out for when shopping for no medical exam term life insurance is accidental death insurance. Accidental death insurance is a legitimate product that is similar to term life insurance, but only pays a death benefit if you pass away due to an accident. Since only about 5% of deaths are due to accidents, premiums are very cheap and coverage often doesn’t require a medical exam. However, if your family would need financial protection if you passed away due to natural causes as well (such as a heart attack or stroke), accidental death coverage alone likely isn’t sufficient.
No Medical Exam Whole Life Insurance
No medical exam whole life insurance is typically used as a form of final expense insurance, as coverage is lifelong and death benefits are generally limited to a maximum of $25,000 or $50,000. This means your beneficiaries may receive a large enough payout to cover your funeral, other end-of-life costs and potentially a small loan. However, it’s not a large enough death benefit to cover a mortgage or provide income replacement for an extended period of time.
If you want final expense insurance and are unable to qualify for traditional coverage, simplified issue whole life insurance will be less expensive than a guaranteed acceptance policy.
Should I Buy No Medical Exam Life Insurance?
No medical exam life insurance is more expensive than fully underwritten coverage and typically provides fewer options, such as the ability to increase your death benefit or convert a term policy to permanent coverage. In addition, the medical exam is free, typically lasts less than 30 minutes and can take place at your home or work. Given this, we wouldn’t recommend no medical exam life insurance unless you’re unable to qualify for traditional coverage.
Some reasons you may be rejected from traditional coverage and want to consider a no medical exam policy are:
You have pre-existing medical conditions that have been diagnosed in the past 2 years
You have a significant pre-existing condition, such as diabetes
More than one of your parents died before age 60
You have DUIs or other significant issues on your driving record in the past 2 years
You have a record of drug or alcohol abuse in the past 5 years
Your job is particularly high-risk, such as being a firefighter
You have high-risk hobbies, such as skydiving or deep-sea scuba diving
If any of these scenarios apply to you, we recommend first looking for an insurer that offers fully underwritten coverage for your situation, as insurance companies all have different restrictions. Independent insurance agents represent multiple companies and are familiar with each insurer’s underwriting requirements, so an agent may be able to help you find the insurer that accepts your health profile.
No medical exam life insurance is also handy if you need instant life insurance in order to secure a person or business loan, a common requirement from institutional lenders. No medical exam policies often provide same day coverage, or may take up to five business days, while traditional policies can take several weeks for approval. In these cases, we recommend getting no medical exam coverage then applying for a fully underwritten term policy. This way you can satisfy the bank or other lender’s immediate requirements but minimize your long term costs.