arm life | Zikoko!

Everyone knows that living in Lagos is a herculean task. For a person that lives in Lagos, 90% of your day is you trying to keep calm while dealing with all the wild things the city throws at you. Here are a few tips we use to ensure our happiness and peace of mind.

1) Don’t go anywhere if you don’t absolutely have to.

Because of the traffic. Like, why would you put yourself through that INTENTIONALLY? Whatever it is (weekend, public holidays), stay in ya house.

2) Manage your time.

Feeling overburdened by to-do lists is a source of stress for a lot of people. The key to stopping this is to understand that you can’t do everything at once and prioritizing your task. List out all the things you need to do and list them in other of genuine priority. Remember as well to create buffer times to deal with unexpected and emergency tasks, and to include time for your own relaxation and well-being.

3) Exercise.

Sneak in a half-hour of exercising before work (or a few hours after work) and watch it do wonders for your overall wellbeing. Make no mistake, it’ll feel terrible at the beginning. But it will eventually become routine for your body.

4) Prioritize sleep.

Let’s be honest, between getting up early for work and returning really late, you most likely don’t get enough sleep. Here’s a suggestion on what to do when you stay home because you absolutely don’t have to go anywhere: catch up on sleep.

5) Get Life Insurance

When you get life insurance, you get peace of mind which is the ultimate stress reliever. This goes a long way because when you’re old, you’ll have the funds to have other people manage stuff for you. It’s super important to get life insurance now, irrespective of how old you are, so that you have a safety net and will be prepared for anything that might happen.

Which brings us to our friends who partnered with us to make this article: the good folks over at ARM Life.

ARM Life has made it their mission to be the leading provider of protection and wealth creation solutions in Nigeria. Which is why they’re making it super easy for people to get started with insurance relating to life, health, and annuity.

Make the first move and visit ARM Life today to get started.
As important as life insurance policies are, a lot of Nigerians still don’t have one. This is mostly due to the lack of education regarding the subject and the perpetuation of myths and misconceptions about the scheme. The aim of this article is to dispel the myths about life insurance and counter them with cold, hard facts.

Let’s get into it.

MYTH 1:

There are life insurance policies to cover people of all ages. Literally, no one is too young for life insurance. Claiming this is you probably being stingy with money that could work for you later. Which is why you should know that when buying a life insurance policy, the younger the policyholder, the lower the premium.

MYTH 2:

Thankfully, life insurance companies understand that not all fingers are equal and made sure it was possible for everyone to cut their coat according to their size (get the policy that’s affordable for them). E.g, low-income earners usually opt for the term life insurance because it has the cheapest monthly premiums.

MYTH 3:

Biko shhh. While it is important for the breadwinner – or the person that makes the majority of a household’s income – to have a life insurance policy, there’s also value in getting policies for other family members, even if their contributions aren’t monetary. For example, if a housewife (whose job it was to take care of the home) passes, it just won’t be emotionally difficult for the family she left behind but also financially difficult because they might need to pay someone to take over those duties. At least until they themselves get the hang of it.

MYTH 4:

That’s superstitious thinking perpetuated by 51 Iweka Road Onitsha Nollywood movies. We’re 19 years into the 21st century and you can’t be thinking like that. If terrible things wanted to happen to you, they wouldn’t wait till you get life insurance. They’d just go ahead and mess you up. The whole point of life insurance is to have a safety net and be prepared for any terrible things that MIGHT happen.

MYTH 5:

Normally, life insurance exists to help those who depend on you after you pass. But, there are situations where the policyholder needs the money way more than their beneficiaries (e.g in case of a critical illness). That’s where the concept of “Living Benefits” comes in. Living Benefits let a policyholder get an earlier payout than usual (while they’re still alive). But for that to happen, it must’ve been included in the policy during initial agreements.