#selflo

Satu hal yang aku sadari seiring bertambahnya usia adalah aku sangat sensitif. Beberapa kali mencoba test tingkat sensitifitas, aku termasuk orang dengan Highly Sensitivity.

Bisa dikatakan, aku sangat mudah menyerap energi. Misal, aku bertemu dengan seseorang: aku sangat mudah merasa rungsing dan tidak nyaman ataupun plong dan bahagia karena energi yang terpancar dari orang tersebut. Pun, ketika berkunjung ke suatu tempat, aku bisa dengan mudah merasa fresh ataupun tidak betah. Yup, aku mudah terenyuh dengan stimuli fisik, emosional, hingga sosial seperti kata-kata dan tingkah laku.

Contoh lainnya, ketika seharian merasa sedih ataupun kecewa namun di jalan aku menemukan anak kucing, perasaanku bisa segera membaik secara drastis.

Kadang orang lain bilang: "Kamu baperan deh", "Coba deh apa-apa jangan dimasukin ke hati.", dan "Kamu kok perasa banget ya."

Aku pernah menganggap menjadi sensitif adalah hal yang buruk, nggak ada gunanya sama sekali, nggak beruntung, bahkan bisa diubah dengan mudahnya.

Nyatanya, semakin aku menolak, rasanya semakin keras dan nggak adil dengan diri sendiri. Pelan-pelan, aku belajar untuk menerima. Aku belajar untuk memeluk dan memahami diri sendiri. Hingga aku percaya: menjadi sensitif bukanlah hal yang dibangun secara instan (butuh proses panjang hingga ke tahap ini), menjadi sensitif nggak selalu buruk, dan menjadi sensitif bisa jadi adalah sebuah kekuatan.

This is totally okay!

Aku sangat bersyukur Tuhan menjadikanku orang yang sensitif. Berkat hal ini, aku bisa merasakan sesuatu secara mendalam. Hal ini mempertajam empati dan kepekaanku. Aku juga bisa lebih panjang dalam menimbang-nimbang ketika ingin melakukan sesuatu agar tidak menyakiti perasaan orang lain.

Aku percaya apa yang ada di semesta ini adalah sebab akibat. Kalau aku gunakan “sensitifitas” ini untuk kebaikan, semesta akan mengembalikannya berkali-kali lipat.

Menjadi sensitif bisa jadi adalah sebuah anugrah, bukan?

So, I believe this is my superpower as a highly sensitive person. Then, I really cherish my uniqueness! 💙

Most individuals will explain life insurance to you as a purchasing policy that provides money to your family during your death. If you ask them to describe the main aspects of the guidelines, the many options, or how they operate, they will likely try to divert the subject.

However, those factors are crucial if you’re looking into life insurance. Your inquiries will be addressed in this post, specifically:

What constitutes a life insurance policy’s essential components? A life insurance policy is a contract between a person and an insurance provider (or legal entity). Every life insurance policy is unique, and every state has a different set of rules that govern insurance contracts.

The insurer: Only a select group of organizations are permitted to offer life insurance, and state insurance regulators oversee these organizations.

The person or organization that owns (or “holds” the policy is referred to as the policyholder. Examples include a family trust or a company. The policy has two options for coverage: either the holder or a third party.

The individual whose life is insured is known as the insured. The sum that the insurer will pay out upon the insured’s death is known as the death benefit.

The recipients of the death benefit are known as beneficiaries. It can be distributed proportionally among many different persons and entities (for example, three children could each receive 30% and 10% could go to a charity), or it can all go to a single person (for example, the surviving spouse).

The duration of time the insurer agrees to provide a death benefit is known as the policy length. This can be for a set period of time, like 10 or 20 years, or it can be permanent, meaning that as long as premiums are paid, the policy will be in effect for the insured’s whole lifetime.

The monthly or yearly payments required to maintain the insurance in force are referred to as the premium. monetary value: Whole life insurance and permanent life insurance both feature a cash value component that accrues over time2 and can be withdrawn or used as collateral for loans. Term life insurance has no cash value.

What are the different kinds of life insurance policies, and how do they work?

There are two basic types of life insurance: Term and permanent life insurance. A term life insurance policy provides coverage for a specific period of time, typically between 10 and 30 years. It is sometimes called “pure life insurance” because, unlike the permanent policy or whole life insurance, there’s no cash value component to the policy — once the term is over, there’s nothing left.

Permanent life insurance provides coverage that lasts your entire life. Unlike term, it’s not a “pure life insurance” product because it includes a cash value component that helps make coverage last while the insured is alive and premiums are paid and while providing other financial benefits. A portion of your premium dollars grows tax-deferred over time — but the entire death benefit is immediately payable from the first day you have the policy. The cash value, on the other hand, may take some years to build up to a significant amount.

There are two main types of permanent insurance: whole and universal life. Whole life insurance is simpler — the premium remains the same for life, the death benefit is guaranteed, and the cash value grows at a guaranteed rate. Universal life insurance can be less expensive, but the premiums, death benefits, and cash value growth rate can vary, making the policy more complex.

What advantages do people receive from life insurance at various times? Most adults should consider getting life insurance because it may be a potent weapon for safeguarding their financial confidence and, more importantly, the economic trust of those who depend on them. However, you should consider what kind of financial protection you require at this time in your life before purchasing a policy.

Questions and answers about life insurance What is the price of life insurance? Depending on the type of insurance (i.e., term or permanent) and all the factors that can affect your life expectancy, including age, weight, health, gender, lifestyle, occupation, and risk factors like smoking, the cost of a policy — for a particular level of death benefit — can vary significantly.