Life insurance is a recurring theme in IELTS Writing Task 2, appearing approximately once every 3-4 months in recent tests. Based on analysis of past papers and current trends, questions about insurance policies and financial security are increasingly relevant, especially in developing economies like India, China, and Vietnam, where choosing the best bank for savings has become crucial for family security.
IELTS Writing Task 2 Essay Topic on Life Insurance Importance
Sample Question Analysis
Some people believe that life insurance is essential for everyone, while others think it is only necessary for certain groups. Discuss both views and give your own opinion.
This question requires a balanced discussion of different perspectives regarding life insurance necessity, similar to discussions about importance of universal healthcare access. Let’s examine three sample essays of varying band scores.
Band 8.5 Sample Essay
In contemporary society, the debate over life insurance’s necessity has garnered significant attention. While some advocate for universal coverage, others maintain it should be selective. This essay will examine both perspectives before presenting my viewpoint.
Those who support universal life insurance coverage argue that life’s unpredictability makes it essential for everyone. Financial security for dependents, coverage of funeral expenses, and debt settlement are fundamental benefits that apply universally. Moreover, younger individuals can secure lower premiums, making early enrollment financially advantageous.
Conversely, opponents contend that life insurance is primarily necessary for specific demographics. They argue that single individuals without dependents or substantial debts may find such policies unnecessary. Additionally, those with significant savings or assets might be self-insured, making formal policies redundant.
In my opinion, while life insurance’s importance varies among different groups, it remains a crucial financial tool for most adults. The primary consideration should be one’s financial responsibilities and dependents rather than age or marital status. Just as should governments regulate fast food advertising to protect public health, proper regulation and education about insurance benefits could help people make informed decisions.
Life Insurance Benefits and Financial Security Illustration
Band 6.5 Sample Essay
Nowadays, life insurance is a big topic of discussion. Some people think everyone should have it, while others say only certain people need it. I will discuss both sides and give my opinion.
People who support life insurance for everyone have good reasons. First, nobody knows what will happen tomorrow. If someone dies, their family needs money. Also, young people can get cheaper insurance. This makes it good to start early.
Other people think only some groups need insurance. Single people without family responsibilities might not need it. Rich people with lots of money in the bank also might not need insurance because they already have enough money.
I think life insurance is important but not for everyone. It depends on your situation. If you have family or debts, you should get insurance. But if you are single and have no responsibilities, maybe you don’t need it yet.
Key Vocabulary Analysis
- Universal coverage (n) /juːnɪˈvɜːsl ˈkʌvərɪdʒ/ – comprehensive protection for all
- Financial security (n) /faɪˈnænʃl sɪˈkjʊərəti/ – state of monetary stability
- Self-insured (adj) /self ɪnˈʃʊəd/ – capable of covering own insurance needs
- Demographics (n) /ˌdeməˈɡræfɪks/ – statistical data about population groups
- Redundant (adj) /rɪˈdʌndənt/ – unnecessary due to repetition
Comparative Analysis
The Band 8.5 essay demonstrates:
- Sophisticated vocabulary and complex structures
- Clear paragraph organization
- Balanced arguments with specific examples
- Coherent conclusion with personal stance
The Band 6.5 essay shows:
- Basic vocabulary with some repetition
- Simple sentence structures
- Limited development of ideas
- Basic conclusion lacking depth
Practice Suggestions
Consider practicing with these related topics:
- The role of private vs. public insurance systems
- Mandatory insurance policies in different countries
- The impact of technology on insurance services
Share your practice essays in the comments section for feedback and improvement suggestions.
