A Zombie Apocalypse; ‘Pay out my life insurance premium!’

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It’s an age old question that has been pondered for years; if there is a zombie apocalypse, will I be able to cash out the life insurance policy held by my mother/father/anybody else who has succumb to this rotting state of life.

OK, so it may not be the question on everybody’s minds, but it’s an interesting thought?

In the grand scheme of things, the straight forward answer is: ‘Yes!’ Of course you would be able to claim your policy should if your loved one becomes a flesh eating horror. This is mainly because there aren’t many crazy life insurance brokers out there who would add a clause in their policy stating that if indeed, the dead come back to life and wage war on the living, no money will be paid out. The illusion of sanity is precious, you know?

Alongside your cellar full of canned goods and non-perishable items kept to help in the event of the apocalypse, life insurance could actually be a worthwhile investment for your future after the flesh hungry creatures have all been killed off. By the way, a shot to the head is usually deemed the correct way to kill them, just in case you are interested. According to the rules of Zombieland, Rule #2 is Double Tap.

The two most popular forms of life insurance are whole life insurance and term life, which literally do what they say on the tin.

Whole life will cover you for your whole life, and payout should anything happen to you. Whole life is usually the policy not recommended; as the fees will fluctuate meaning you won’t always know exactly where you are at with this policy. Yes, you can gain some tax free cash throughout the duration of having this policy, but if you ever want to change your insurance broker it will cost a lot, and commission is something also added on along the way.

Term life is by far the most sensible option (you can click this link to find out more) and will cover you for a set amount of years which you are in control of. The best part of the term life option is that it never fluctuates as the policy goes on, your rates stay the same, you won’t have any hidden charges and you will always know where you are with it. When the policy is up you can then decide whether to carry it on, or have a re-jig and play around with your policy and provider.

Of course, whether you opt for either choice, there are many things that will need to be taken into account when you are trying to claim your loved ones life policy during a zombie apocalypse.

1)      The insurance brokers may be zombies themselves- I don’t think they will care about making sure the policy is honored.

2)      Is money even relevant? Everybody is a zombie and flesh is basically free, your money means nothing during a zombie apocalypse and technically stealing isn’t breaking the law during this time, it’s survival, especially if the local police station has succumb to the zombie virus, too.

3)      If your house is surrounded by zombies, how are you going to cash your policy without getting eaten alive by the monsters in your garden?

However, should you find a way around these points, life insurance would still be relevant and give you a head start once the apocalypse subsides.

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