If life does not exist, then what is the benefit of life insurance?

If life does not exist, then what is the benefit of life insurance?

Why do the agents of most life insurance companies repeatedly mention the death of people while selling "Insurance Policy"?  If life does not exist, then what is the benefit of life insurance?

Life insurance company agents say people are dying when they sell "insurance policies" because,

1.  I would like to present the picture of financial problems arising in the post-death stage in a practical way so that one is able to realize that potential situation and become interested in taking out a life insurance policy.

2.  The purpose of selling a life insurance policy is to ensure the business success of the company and to sustain one's career.

If life does not exist, then what is the benefit of life insurance?  In the case of some policies, the purpose of life insurance is to deal with the potential financial problems of the family, relatives, at the next stage of death.  Through it, a life insurer, reassures himself, tries to deal with the anxieties in advance for the family, after death.

However, thanks to the questioner.  Because, writing the answer to this question, he wanders around in his chest, "If life does not exist, then what is the benefit of life insurance?"  At the same time, it echoes, "If life does not exist, then what is the benefit of having a family? What is the benefit, after death, what will happen to the family, relatives? If there is no life, then life, money, value, fame  What is the benefit? Awake, an unspoken "consciousness".

Look, I'm telling the truth.

Life insurance as an investment is a very bad option.  Even if you add income tax exemption to 80C, it does not fall.  In most life endowment policies, if you do a twenty year policy per lakh, the total return is less than the bank deposit at that time.

Now comes term insurance.  So that nothing is found if it survives.  So why would people insure?  And if the insurance is not done, what will the insurance companies do?

Here comes the real game.  Totally Psychology.  See, every man fears death.  Therefore, the insurance companies started their business based on this fear of the people.  'If you die suddenly, your family will sit on the road, so get insurance.'  'Zindegike Saath V, Zindegike Bad V.'  Watching this thing on the radio and TV in the morning, noon and night is bound to create fear in your mind and when you are scared, the common sense of the people disappears.  In general, insurance companies spend less than ten percent of their premium income on premature payout.  One thing to note is that medical insurance companies have increased their premiums in the last ten years, but life insurance premiums have increased much less.  Because the amount of payout in medical insurance is much higher.  Insurance companies do not pay as much for health insurance as they do for life insurance.