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As you can imagine, we talk to a LOT of people about life insurance. One of the most common comments we hear has something to do with “Why should I get life insurance? I’ll be dead anyway!” Sometimes it is said in jest, followed by a chuckle. There are times, however, when the comment is made with a sense or seriousness.
Alright. We get it. The thing to consider, however, is that life insurance is not about you. It was never intended to be about you. Sure, it may make you feel better and give you peace of mind, but buying life insurance is about those left behind.
It is so those who care the most about you won’t have to worry about how they will manage paying for final expenses. It can serve to help your family stay in their home and continue to live life without struggling. It may help clear debts and pay off students loans, a car or a mortgage. Life insurance may even provide a path for your children to still be able to attend college in your absence.
Yes, life insurance can be one of the greatest gifts you leave your family, but like most gifts, it is not about you.
Life insurance can provide relatively quick access to cash following a death. Life insurance has certain tax benefits not provided by other assets or funds left in an estate. It may help your family keep a business going or provide for the time needed to sell it. Should you decide upon whole or permanent life insurance, a life insurance policy may even build value through the years. This is value that you may be able to access in an emergency.
We encourage you to contact us to talk about giving your family the gift of life insurance. We can start with a review of any current coverage you may have and the level you would like it to be. It is important to keep in mind that life insurance is at its least expensive when purchased when young and healthy so don’t delay.
Our independent insurance agents can do the shopping for you, getting quotes from multiple companies. The final decision, of course, is yours. While it is true you may not be here when your life insurance is needed the most, but life insurance was never about you. It is a gift for those you love.