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In the other words, insurances cannot or are not supposed to give the policy owner the short-term benefits. Moreover, for many families burdened with mortgages, tuition payments, and increasing expenses, having one or both salary earners lose their jobs is a very traumatic event. Even for young people just graduating from school, a high unemployment rate means that it will be harder for them to find the job that they want at the pay that they desire. It a fact that the monthly premium payment could become the burden for someone unemployed or with considerate pay-cut. With these regards, it is valuable to evaluate how the insurance industry can survive and even grow in such a situation...
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