Life insurance is one of those things that is very awkward and difficult to think about. What if tomorrow you walked out of your door and it was the last time you were to see your family? What would they be left with? Would they struggle? By starting a family or acquiring debt it becomes your utmost responsibility to make sure that if something does happen, your family and debt are taken care of. Think of this scenario:
You are 30 years old and just got married to the love of your life last year. Your first child is on the way, you just moved into your new home, and you and your significant other have two nice vehicles sitting in the drive way. All in all between the home, cars, student loans, and other debt you have a total of $175,000 of total outstanding loans you are paying for and to pay those bills you and your significant other rely on each others paychecks. A few months roll by and tragically on your way to work a drunk driver hit you at an intersection and you are pronounced dead at the scene.
What has just happened? What did you just leave your family with? Nothing but heartache and debt. Since your gone and you have no life insurance your spouse has taken a second job to try to pay for all of your loans. Your child now has to go to daycare because your spouse is always working but they cant afford it, and your home/cars are about to be taken by the bank. You could have prevented all of this with a simple life insurance policy.
Yes it's difficult to think about but would you rather be selfish and sit there and "it will never happen to me" or are you going to say "you know what if"? Life insurance is cheap, especially if you are young, but as you get older your age and health work against you increasing the cost. If you get a policy while you are young you will lock in your age and health, you will always have a lower payment for the life of the policy. With a life policy you may have to get a medical exam which are pretty standard, the life insurance company uses this information to validate your medical background and to rate your policy correctly and are necessary for any policy over $90,000. If you take out a policy $90,000 or less it is possible for us to waive the medical exam and for you to take out a policy instantly. All in all if you are 30 years of age you can take out a $90,000 policy for as low as $15/mo!
Make sure you call one of our offices to find out about all of our life insurance plans and more especially which one will best fit you. No not be selfish and leave your loved ones behind only to face financial hardship. Cover yourself today,