Insurance protects those you love.
Your Financial Bottom Line contributes to your Health and Emotional Well-being.
Insurance protects those you love.
Before Investing, Protect.
Types of Insurance:
Includes Home, Auto, Farm & Ranch, Business, Liability, Recreational Vehicles, Umbrella, Special Events such as Hole-in-One Golf Tournament Insurance.
Life Insurance
Health Insurance
So, why don’t you have life insurance?
Top Excuses for not having Life Insurance.
It’s too expensive. Probably not. Look at your options. Talk to a professional (or two). If permanent insurance is too expensive, look at Term. Make sure it has the option to upgrade to Permanent (Universal Life, Indexed Universal Life, Variable Universal Life or Whole Life). Yes, there is a huge push to “Buy Term and Invest the Rest.” I can give you a compelling case that shows that might not be the best move for you. Love your family enough to take care of them if something should happen to you.
I’m young. I’ll buy it later when I am more likely to need it. This is one of the most costly mistakes people make. If you buy early, you can save a ton on premiums. Example. I am in my forties. When I was in my 20′s, I met with an insurance rep and I listened. I was able to purchase a $175,000 term policy for $15 per month and locked that rate in for 20 years! I went to sleep every night knowing that, at the very least, my husband would be able to pay off our home should something happen to me. The longer you wait, the more expensive it is and the greater the chance of not qualifying due to a medical condition.
I don’t work out of the home. We only need insurance on my spouse. Wrong – especially if you have kids! If something happens to you, your spouse should have the option to take additional time off from work to deal with your death. Your spouse will need to pay for things that you provided before: child care, potentially help with housekeeping, meals, transportation.
I already have a policy. I have it covered. Maybe. There are a few things to consider: 1) Did you know that less a few years ago, Life Insurance rates actually went down? They adjusted the length of time we are expected to live. That dropped rates substantially. If you haven’t checked your policy against current rates, you should. 2) Are you adequately covered? You may be under-insured due to life changes. 3) You may be able to pick up additional benefits such as Long-Term Care with some of the new policies available to you at little or no extra cost from what you are paying now.
Do yourself and your family a favor and buy Life Insurance.
