{"id":620,"date":"2021-08-17T14:12:10","date_gmt":"2021-08-17T06:12:10","guid":{"rendered":"https:\/\/bjakmy.wordpress.com\/?p=620"},"modified":"2026-02-19T15:06:59","modified_gmt":"2026-02-19T07:06:59","slug":"how-does-life-insurance-work-after-death","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/how-does-life-insurance-work-after-death","title":{"rendered":"How does life insurance work after death?"},"content":{"rendered":"\n<p>Talking about death is eerily uncomfortable for many of us. So naturally, it\u2019s not a topic people often bring up in a &#8216;normal&#8217; conversation. But however uncomfortable it is, we can&#8217;t just sweep it under the rug. Death won&#8217;t escape anyone, including you.<\/p>\n\n\n\n<p>Let&#8217;s bring this topic to the table, starting with how life insurance can help you after your passing.<\/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-69d73a14160c8\" 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-69d73a14160c8\"><\/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\/how-does-life-insurance-work-after-death\/#What_is_life_insurance\" title=\"What is life insurance?\">What is life insurance?<\/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\/how-does-life-insurance-work-after-death\/#How_does_life_insurance_work_after_death\" title=\"How does life insurance work after death?\">How does life insurance work after death?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/how-does-life-insurance-work-after-death\/#1_Financing_funeral_costs\" title=\"1. Financing funeral costs\">1. Financing funeral costs<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/how-does-life-insurance-work-after-death\/#2_Clearing_outstanding_debts\" title=\"2. Clearing outstanding debts\">2. Clearing outstanding debts<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/how-does-life-insurance-work-after-death\/#3_Providing_a_lifeline_to_dependents\" title=\"3. Providing a lifeline to dependents\">3. Providing a lifeline to dependents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/life-and-medical-insurance\/how-does-life-insurance-work-after-death\/#Life_insurance_is_a_protection_not_a_financial_burden\" title=\"Life insurance is a protection, not a financial burden\">Life insurance is a protection, not a financial burden<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"What_is_life_insurance\"><\/span>What is life insurance?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>First, let&#8217;s understand what life insurance is in a nutshell.<\/p>\n\n\n\n<p>Life insurance is <a href=\"https:\/\/www.imoney.my\/articles\/the-essentials-of-life-insurance-in-malaysia\">a contract<\/a> between the insured (<em>that would be you<\/em>) and the insurance company, whereby you regularly pay a set amount to the insurance company, in exchange for a lump-sum payout to your beneficiaries upon your death. <\/p>\n\n\n\n<p>Most life insurance policies today also provide a lump-sum payout for total permanent disability. This is to protect you and your dependents should you permanently lose your physical ability to earn income.<\/p>\n\n\n\n<p>You can read more on life insurance <a href=\"https:\/\/bjak.com\/blog\/what-is-term-life-insurance\/\">here<\/a>.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"How_does_life_insurance_work_after_death\"><\/span>How does life insurance work after death?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"1_Financing_funeral_costs\"><\/span>1. Financing funeral costs<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:100%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/12UPyerJpVC2PzWkrz\" title=\"https:\/\/media.giphy.com\/media\/12UPyerJpVC2PzWkrz\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>If talking about death is already uncomfortable, talking about funerals is even more so. But let\u2019s think of it this way: everyone on this Earth shall have a taste of death, and will part ways with this world at one point.<\/p>\n\n\n\n<p>We can\u2019t plan how we die, but we can (and should) plan how our funeral is to be managed. As life insurance will pay out a lump sum to your beneficiaries when you pass on, the money can be used to finance your funeral costs.<\/p>\n\n\n\n<p>Depending on funeral rites, <a href=\"https:\/\/www.google.com.my\/amp\/s\/www.imoney.my\/articles\/funeral-costs-malaysia-afford\/amp\">funerals in Malaysia<\/a> can cost hundreds or even tens of thousands of Ringgit. So with the cash payout from your life insurance, your loved ones won&#8217;t have to be burdened by expensive funeral costs.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"2_Clearing_outstanding_debts\"><\/span>2. Clearing outstanding debts<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:50%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/8F0Lgqv4Se7Riio94W\" title=\"https:\/\/media.giphy.com\/media\/8F0Lgqv4Se7Riio94W\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>There\u2019s a saying that goes &#8220;<em>when you die, your debts die with you<\/em>.&#8221; This couldn\u2019t be further from the truth as your surviving guarantors will continue to shoulder the burden of repaying your debts.&nbsp;While you hope to clear your debts before you leave this world, some long-term debts like housing or property loans and other commitments may outlive you.<\/p>\n\n\n\n<p>It\u2019s true that your guarantors have entered into such agreements knowing full well that they have to bear the liabilities should anything happen to you as the borrower, but would you have the heart to leave them high and dry?<\/p>\n\n\n\n<p>Your beneficiaries can help clear your outstanding debts with a cash payout from your life insurance.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"3_Providing_a_lifeline_to_dependents\"><\/span>3. Providing a lifeline to dependents<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\t<div class=\"wp-block-jetpack-gif\">\n\t\t<figure>\n\t\t\t\t\t\t\t<div class=\"wp-block-jetpack-gif-wrapper\" style=\"padding-top:76%\">\n\t\t\t\t\t<iframe src=\"https:\/\/giphy.com\/embed\/xT5LMXR7iA0mSSxOBG\" title=\"https:\/\/media.giphy.com\/media\/xT5LMXR7iA0mSSxOBG\/giphy.gif\"><\/iframe>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/figure>\n\t<\/div>\n\t\n\n\n<p>If you\u2019re the sole breadwinner in your household, think hard and long about the future of your spouse and children when you\u2019re no longer around to provide for them.<\/p>\n\n\n\n<p>It\u2019s a mountain-heavy responsibility indeed, but one that you can\u2019t afford to put aside. If you\u2019ve been saving consistently for your family&#8217;s future use, that\u2019s a very responsible act. But would the savings be enough to cover your family expenses? Can the savings adequately fund your children\u2019s education?&nbsp;<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Life_insurance_is_a_protection_not_a_financial_burden\"><\/span>Life insurance is a protection, not a financial burden<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>You may not directly receive the benefits of your life insurance in your lifetime, but your beneficiaries will be financially relieved when you\u2019re no longer around to watch over them.<\/p>\n\n\n\n<p>Let <a href=\"https:\/\/bjak.com\/life\/en\/\">Bjak<\/a> help you get the life insurance that you and your loved ones need. You can get started here: https:\/\/bjak.com\/life\/en\/.<\/p>\n\n\n\n<p>(Source: <a href=\"https:\/\/www.imoney.my\/articles\/funeral-costs-malaysia-afford\">iMoney.my<\/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=how-does-life-insurance-work-after-death\">Get Your Free Quotation<\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Life insurance financially protects you and your loved ones. This article explains how life insurance can help you after your death.<\/p>\n","protected":false},"author":5,"featured_media":3203,"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":[42,59,88,127],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How does life insurance work after death? | BJAK<\/title>\n<meta name=\"description\" content=\"Life insurance financially protects you and your loved ones. But how does life insurance work after your death? 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