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Really? Should I buy life insurance?

You should probably consider buying life insurance if any one of the following is true:

  • You are married and your spouse depends on your income
  • You have children
  • You have an aging parent or disabled relative who depends on you for support
  • Your retirement nest egg and pension won’t be enough for your spouse to live on
  • You have a large estate and expect to owe estate taxes
  • You own a business, especially if you have a partner
  • You have a substantial joint financial obligation such as a personal loan for which another person would be legally responsible after your death

In all of these cases, the proceeds from an insurance policy can help your loved ones continue to manage financially during the difficult weeks, months, and years after your death. The proceeds can also be used to meet funeral and other final expenses, which can run into thousands of dollars.

If I died today…

Ask yourself the important question: ” If I died today with no life insurance, would my family need to make substantial financial sacrifices and give up the lifestyle to which they’ve become accustomed in order to meet their financial obligations (e.g., car payments, mortgage, college tuition)?”
If your answer is yes, then you DO need life insurance.

Take Action

Once you decide you need life insurance, don’t put off buying it. Although no one wants to think about and plan for his or her own death, you don’t want to make the mistake of waiting until it’s too late. I get it!  It’s like putting off going to the doctor only to see him or her in the emergency room. But, it doesn’t have to be that way. Let me help you take action that will support your family. Relying on someone who is an expert in life insurance policies and retirement planning can alleviate the fear-of-the-unknown. My consultation is always free: 1-866-471-7233.