{"id":2960,"date":"2021-09-15T12:12:47","date_gmt":"2021-09-15T04:12:47","guid":{"rendered":"https:\/\/bjak.com\/blog\/?p=2960"},"modified":"2026-02-19T14:56:48","modified_gmt":"2026-02-19T06:56:48","slug":"im-single-do-i-need-life-insurance","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance","title":{"rendered":"I&#8217;m single. Do I need life insurance?"},"content":{"rendered":"\n<p>Single people without dependents often think that they don&#8217;t need life insurance because no one is relying on their income. But there are some reasons why you might need life insurance even if you&#8217;re single.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d750a8ec4b1\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d750a8ec4b1\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#How_does_life_insurance_work\" title=\"How does life insurance work?\">How does life insurance work?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#How_can_life_insurance_help_you_even_if_you%E2%80%99re_single\" title=\"How can life insurance help you even if you\u2019re single?\">How can life insurance help you even if you\u2019re single?<\/a><ul class='ez-toc-list-level-3'><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#1_You_have_debts_to_pay\" title=\"1. You have debts to pay\">1. You have debts to pay<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#How_can_life_insurance_help_pay_your_debts\" title=\"How can life insurance help pay your debts?\">How can life insurance help pay your debts?<\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#So_give_life_insurance_a_thought_You%E2%80%99ll_take_comfort_in_knowing_that_your_debts_won%E2%80%99t_be_a_source_of_burden_to_anyone_thanks_to_the_cash_payout_from_your_life_insurance\" title=\"So give life insurance a thought. You\u2019ll take comfort in knowing that your debts won\u2019t be a source of burden to anyone, thanks to the cash payout from your life insurance.\">So give life insurance a thought. You\u2019ll take comfort in knowing that your debts won\u2019t be a source of burden to anyone, thanks to the cash payout from your life insurance.<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#2_You_may_lose_your_income\" title=\"2. You may lose your income\">2. You may lose your income<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#How_can_life_insurance_help_replace_your_income\" title=\"How can life insurance help replace your income?\">How can life insurance help replace your income?<\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#The_money_you_receive_from_your_life_insurance_may_not_last_you_forever_but_you%E2%80%99ll_at_least_have_a_financial_cushion_that_will_support_you_longer_while_you_look_for_other_feasible_means_of_income_So_do_consider_life_insurance_to_support_you_financially_in_your_times_of_need\" title=\"The money you receive from your life insurance may not last you forever, but you\u2019ll at least have a financial cushion that will support you longer while you look for other feasible means of income. So do consider life insurance to support you financially in your times of need.\">The money you receive from your life insurance may not last you forever, but you\u2019ll at least have a financial cushion that will support you longer while you look for other feasible means of income. So do consider life insurance to support you financially in your times of need.<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#3_Someone_has_to_pay_for_your_funeral_costs\" title=\"3. Someone has to pay for your funeral costs\">3. Someone has to pay for your funeral costs<\/a><ul class='ez-toc-list-level-4'><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#Do_you_know_how_much_a_funeral_costs_in_Malaysia\" title=\"Do you know how much a funeral costs in Malaysia?\">Do you know how much a funeral costs in Malaysia?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#How_can_life_insurance_help_finance_your_funeral_costs\" title=\"How can life insurance help finance your funeral costs?\">How can life insurance help finance your funeral costs?<\/a><ul class='ez-toc-list-level-5'><li class='ez-toc-heading-level-5'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#Another_recommended_way_is_to_get_yourself_life_insurance_as_the_cash_payout_from_the_insurance_can_be_used_for_any_purposes_including_financing_your_funeral\" title=\"Another recommended way is to get yourself life insurance as the cash payout from the insurance can be used for any purposes, including financing your funeral.\">Another recommended way is to get yourself life insurance as the cash payout from the insurance can be used for any purposes, including financing your funeral.<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#Did_you_also_know_that_certain_life_insurance_policies_come_with_%E2%80%9Cfuneral_expenses%E2%80%9D_benefit\" title=\"Did you also know that certain life insurance policies come with \u201cfuneral expenses\u201d benefit?\">Did you also know that certain life insurance policies come with \u201cfuneral expenses\u201d benefit?<\/a><\/li><\/ul><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/im-single-do-i-need-life-insurance\/#Do_you_need_life_insurance_even_if_you%E2%80%99re_single\" title=\"Do you need life insurance even if you\u2019re single?\">Do you need life insurance even if you\u2019re single?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_does_life_insurance_work\"><\/span>How does life insurance work?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>It helps to first understand what comes under <a href=\"https:\/\/www.imoney.my\/articles\/the-essentials-of-life-insurance-in-malaysia\"><strong>life insurance<\/strong><\/a>. <\/p>\n\n\n\n<p><strong>Life insurance pays out a lump sum to the policyholder\u2019s beneficiaries after the policyholder dies<\/strong>.<\/p>\n\n\n\n<p><strong>NOTE<\/strong> that <strong>most life insurance policies today also include coverage for <a href=\"https:\/\/www.imoney.my\/articles\/the-essentials-of-life-insurance-in-malaysia\">Total Permanent Disability (TPD)<\/a>. <\/strong>So on top of providing the beneficiaries a lump sum in the event of the policyholder\u2019s death,<strong> the insurance company will also provide a lump sum to the policyholder, should they become totally and permanently disabled, and therefore no longer able to work. <\/strong><\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_can_life_insurance_help_you_even_if_you%E2%80%99re_single\"><\/span>How can life insurance help you <em>even if<\/em> you\u2019re single?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Being a single, career person with a comfortable income, surely, there\u2019s no need to get life insurance at this point, right?<\/p>\n\n\n\n<p><em>Not really<\/em>. Here&#8217;s why.<\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"1_You_have_debts_to_pay\"><\/span>1. You have debts to pay<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you die, you would want to leave behind fond memories, not debts that will burden your loved ones, <em>especially<\/em> your guarantors who will have to take the baton and continue to pay off your debts.&nbsp;<\/p>\n\n\n\n<p>Ideally, you would want to pay off all your debts before you leave this world. But time may not be on your side to settle your long-term debts like a housing loan given the usually large amount of debt.&nbsp;<\/p>\n\n\n\n<p>If you&#8217;re in debt, it\u2019s crucial to plan now how to pay off your debts after you\u2019re no longer around. Even if your guarantors are capable of paying your debts, there\u2019s no guarantee that they can still afford to do so in the future, right?&nbsp;<\/p>\n\n\n\n<p>Above all, it\u2019s primarily your responsibility to pay off your debts.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"How_can_life_insurance_help_pay_your_debts\"><\/span>How can life insurance help pay your debts?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>As your life insurance will pay out a lump sum to your named beneficiaries after your death, the money can be used by your guarantors to pay off your debts.<\/p>\n\n\n\n<p>Note that a higher amount of lump-sum payment by the insurance provider may translate to a higher insurance premium. In this regard, it\u2019s best that you look into your financial commitments before deciding the amount of premium that you can pay either monthly, quarterly, half yearly or yearly, depending on your preferred payment mode.<\/p>\n\n\n\n<h5><span class=\"ez-toc-section\" id=\"So_give_life_insurance_a_thought_You%E2%80%99ll_take_comfort_in_knowing_that_your_debts_won%E2%80%99t_be_a_source_of_burden_to_anyone_thanks_to_the_cash_payout_from_your_life_insurance\"><\/span>So give life insurance a thought. You\u2019ll take comfort in knowing that your debts won\u2019t be a source of burden to anyone, thanks to the cash payout from your life insurance.<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p><strong><em>But I\u2019m debt-free. Do I still need life insurance?<\/em><\/strong><\/p>\n\n\n\n<p><em><strong>YES!<\/strong> In the event that you become totally and permanently disabled, you may no longer be able to work and sustain yourself, so life insurance will be of great help as the next point clarifies.<\/em><\/p>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"2_You_may_lose_your_income\"><\/span>2. You may lose your income<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>You may be gainfully employed and thriving in your career at this point of your life. Given your high-flying career and growing income, it\u2019s pretty certain that you don\u2019t have to worry about maintaining your life.<\/p>\n\n\n\n<p>But <em>what if<\/em> you get into an accident that leaves you totally and permanently disabled and unable to work?<\/p>\n\n\n\n<p>It\u2019s hard to imagine but everyone has to prepare themselves for life-threatening accidents that can happen to anyone including you.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"How_can_life_insurance_help_replace_your_income\"><\/span>How can life insurance help replace your income?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>When you have life insurance, you can put your mind at ease should anything untoward like accidents happen to you. When you\u2019re no longer able to work due to total permanent disability, the one-off payment can ease your financial burden and help you in your recovery. As you\u2019re free to use the money for any purposes, you can also consider investing the money to grow it if you have a knack for investing.<\/p>\n\n\n\n<h5><span class=\"ez-toc-section\" id=\"The_money_you_receive_from_your_life_insurance_may_not_last_you_forever_but_you%E2%80%99ll_at_least_have_a_financial_cushion_that_will_support_you_longer_while_you_look_for_other_feasible_means_of_income_So_do_consider_life_insurance_to_support_you_financially_in_your_times_of_need\"><\/span>The money you receive from your life insurance may not last you forever, but you\u2019ll at least have a financial cushion that will support you longer while you look for other feasible means of income. So do consider life insurance to support you financially in your times of need.<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h3><span class=\"ez-toc-section\" id=\"3_Someone_has_to_pay_for_your_funeral_costs\"><\/span>3. Someone has to pay for your funeral costs<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>It\u2019s best that you prepare ahead of time for almost everything that\u2019s within your control now. This includes planning on financing your funeral.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Do_you_know_how_much_a_funeral_costs_in_Malaysia\"><\/span>Do you know how much a funeral costs in Malaysia?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Depending on a few factors including your religion and funeral rites, <strong>funeral expenses can eat up thousands or even tens of thousands of Ringgit<\/strong>. According to this <a href=\"https:\/\/mypf.my\/2018\/07\/19\/final-funeral-expenses-malaysia\/\">source<\/a>, the estimated funeral expenses for four main religions in Malaysia are as follows:<\/p>\n\n\n\n<ul><li>Muslim: RM1,000<\/li><li>Buddhist\/Taoist: RM20,000 onwards <em>(costs may shoot up during Chinese New Year<\/em>)<\/li><li>Christian: RM10,000 onwards<\/li><li>Hindu: RM5,000 (including 8th and 16th day funeral prayers)<\/li><\/ul>\n\n\n\n<p>Shocked by the figures?<\/p>\n\n\n\n<p>As morbid as it sounds, you may have to start saving up now to finance your funeral expenses. Just bear in mind that the expenses may inflate so it helps to save a few times more than the estimated figures.<\/p>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"How_can_life_insurance_help_finance_your_funeral_costs\"><\/span>How can life insurance help finance your funeral costs?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>Saving up and setting aside a portion of your money for your funeral is a good way to prepare for your passing. <\/p>\n\n\n\n<h5><span class=\"ez-toc-section\" id=\"Another_recommended_way_is_to_get_yourself_life_insurance_as_the_cash_payout_from_the_insurance_can_be_used_for_any_purposes_including_financing_your_funeral\"><\/span>Another recommended way is to get yourself life insurance as the cash payout from the insurance can be used for any purposes, including financing your funeral.<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h4><span class=\"ez-toc-section\" id=\"Did_you_also_know_that_certain_life_insurance_policies_come_with_%E2%80%9Cfuneral_expenses%E2%80%9D_benefit\"><\/span>Did you also know that certain life insurance policies come with \u201cfuneral expenses\u201d benefit?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p>When you pass away either due to natural or accidental causes, your family or beneficiaries will receive \u201cfuneral expenses\u201d benefit in a form of money that your family can use to manage your funeral.&nbsp;<\/p>\n\n\n\n<p>If you like, consider a life insurance policy that includes \u201cfuneral expenses\u201d benefit, to relieve the financial burden of your loved ones.&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Do_you_need_life_insurance_even_if_you%E2%80%99re_single\"><\/span>Do you need life insurance even if you\u2019re single?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>It\u2019s a big YES<\/strong>. But you don\u2019t have to rush into buying one. Do your homework first and speak with insurance specialists on Bjak so you can secure a life insurance policy that offers you the most coverage at the best price.&nbsp;<\/p>\n\n\n\n<p>(Sources: <a href=\"https:\/\/www.imoney.my\/articles\/the-essentials-of-life-insurance-in-malaysia\">iMoney<\/a>, <a href=\"https:\/\/mypf.my\/2018\/07\/19\/final-funeral-expenses-malaysia\/\">myPF<\/a>)<\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-neve-link-color-background-color has-background\" href=\"https:\/\/bjak.my\/ms\/life?utm_source=blog&amp;utm_medium=&amp;utm_campaign=im-single-do-i-need-life-insurance\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Single people without dependents often think that they don&#8217;t need life insurance because no one is relying on their income. But there are some reasons why you might need life insurance even if you&#8217;re single.<\/p>\n","protected":false},"author":5,"featured_media":3206,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[359],"tags":[42,59,127],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>I&#039;m single. Do I need life insurance? | BJAK<\/title>\n<meta name=\"description\" content=\"Single people without dependents often think that they don&#039;t need life insurance because no one is relying on their income. 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