Sunday, January 27, 2008

Chinese too need life insurance: Chinese are not immortal

Chinese Immortality

There are plenty of tales about Chinese immortality. It seems there is a Chinese herb called Jiaogulan (jow-goo-lawn) that has such a long list of rejuvenating properties that in China they call it the "immortality" herb. Then there are "The Xian" Chinese Immortals blessed with the ability to fly, weightlessness, invisibility, longevity, mastery of the elements - earth, air, fire, and water. Add in the Ba Xian or Eight Immortals of Taoist mythology, well known throughout Chinese culture. There is a Chinese saying, "If you cannot get to heaven, then go to Hangzhou" with some Chinese claiming that Hangzhou is one of the great power spots in the universe which drew the most renowned immortality master in Chinese history, Master Ge Hong, the ancient Guan Yin community, the immense Buddhist influence at the Ling Yin temple and the majestic Song Dynasty capital. Qin Shi Huang referred to as "King Zheng of Qin" conquered the last independent Chinese state in 221 BC and ruled over the whole of China. In the final stage of his life, Qin Shi Huang feared death and desperately sought the fabled elixir of life, hunting for that elixir all over Zhifu Island sendin a Zhifu islander Xu Fu with ships carrying hundreds of young men and women in search of Mount Penglai, where the Eight Immortals lived. These unfortunate souls never returned, as they knew that returning minus elixir of immortal life will mean execution. Qin Shi Huang was buried in his mausoleum, with the famous Terracotta Army, near modern day Xi'an (Shaanxi province). Perhaps in that way, he had achieved some kind of immortality.

Why Chinese need life insurance

But are the common Chinese immortal? I haven't met one yet. Without immortality and especially if they have dependents, Chinese need life insurance like any other mortals on earth, to provide for their dependents if they leave their earthly life behind. Before Internet was invented, to get life insurance, you have to get it via a life insurance agent. But try to get term insurance, the purest form of insurance (protection) requiring the lowest premium and giving maximum coverage, from a life insurance agent. You are likely to be persuaded to get something else that promise things like getting your money back, etc. But these comes with higher premium and fatter commissions for the life insurance agents. This website Advantage Quotes is different. Prominently displayed on their website is this statement: "LIFE IS COMPLICATED....BUT TERM LIFE INSURANCE DOES NOT HAVE TO BE". Plus you can get an instant quote online. Just answer some question. After that (getting a quote), I do not know what happen but hope any readers who have experience will leave a comment to let us know how it went.

Term Life Insurance Calculator

Perhaps even before you fill in the online form, you should look at Term Life Insurance Calculator which helps you estimate how much life insurance cover you may need depending on your circumstances. To be even better informed before you request for an instant quote, read their Life Insurance Glossary so you can understand what you are involved with.


No comments: