According to LIMRA (Life Insurance Management Research ) 50% of Americans say they need more life insurance. With startling numbers like that it’s important to educate people that affordable life insurance doesn’t suck. I know it’s another bill, but unlike the cable or electric bill, life insurance will act as a safety net providing financial security as well as preserving your legacy should something suddenly happen to you. What other “bill” can say that?
Since we are living longer, life insurance rates are at all-time-lows. If you have a family dependent upon you and your salary, you need to have life insurance. It is your responsibility to raise your children the best you can, whether you are here or not. It’s irresponsible and inexcusable to have children who are dependent upon you for all of life’s necessities and to leave them to fend for themselves if you unexpectedly pass away. Some may say I can’t afford it right now or it or I don’t have the time-I’ll do it later. That is B.S… A healthy 40 year old can buy $250,000 of term life insurance for $12 a month or less than $140 a year. How much beer or other non-essential purchases would you have to sacrifice to hit the $12 mark-1,2 beers at a bar? As far as the time, it takes about thirty minutes to one hour of your time. Do you watch TV or sports during the week? Then you can spare 30 minutes to protect your family.
Some also say that the chances of them dying prematurely are slim. That is true. However, according to the CDC, nearly two and half million deaths occur in the U.S. each day. Are you willing to gamble with your family’s financial future that it will never happen to you?
The stigma of life insurance does suck. No one wants to talk or even think about their own mortality. However, it is something that needs to be addressed at least once. After you have dealt with it you don’t have to think about it again and your family will thank you and you will have peace of mind. See purchasing life insurance doesn’t have to suck!
See how much life insurance costs. Click on the quote box on this site!