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why is it important to have health and term life insurance policies ?
health insurance policy covers your medical expenses in case of any illnesses .the hospital bills can be so large that they could wipe out your savings accounts.
that is a risk you cannot afford to take .
you could look up the various policies on policybazaar.com ( in india ) or a similar comparison website in other countries.
the importance of a term life policy
this is a low cost policy that will take care of your family in case you pass away early and are not able to provide living and education expenses for your family .
the amount of the policy should be enough to cover your home loans / mortgage , education expenses of the kids and the living expenses needed for your spouse till the age of 80 or so ( this could vary depending on the average life expectancy in your country )