Is life insurance worth it
Is life insurance worth it
Why should you buy life insurance today. Watch this clip.
Is life insurance worth it
What is your plan? Do you have a plan? Click here - Because you care.
Thursday, December 20, 2012
Wednesday, December 12, 2012
Term Life Insurance for Christmas
All I Want For Christmas is…Life Insurance?? Term Life Insurance for Christmas
I doubt it’s on anyone’s Christmas list this year, but life insurance could make a great gift for your loved ones. Sure, it’s not as exciting as the latest video game system or I-phone, but in many ways life insurance is one of the most loving gifts you can give your loved ones.
“Life insurance isn’t glamorous, it’s just needed” says Julie Halgren, director of protection products for Thrivent Financial for Lutherans. “Not only can it assist families in paying for final expenses, but with the right amount it can pay off debt from credit cards, car loans or even one’s mortgage.”
“Equally important, it can replace lost income and fund long-term goals like retirement or the children’s college education. People often under-estimate the extent to which a premature death affects a family’s income and assets.”
As a parent, the idea of life insurance is pretty simple. Set up a policy for yourself and name your spouse or children as your beneficiary and they receive the death benefit in the event of your death.
None of us are getting out of here alive. What a great present then Term Life Insurance for Christmas
Unfortunately, according to an article in the USA Today, “The percentage of U.S. households with life insurance coverage is at its lowest in 50 years, leaving millions of families without a safety net.” LIMRA, a life insurance and financial services trade association recently found that about 70 million American adults have no life insurance coverage at all and many who do have life insurance have less than is recommended. It's time to get Term Life Insurance for Christmas
The amount of life insurance you need depends on many factors. Yourinsurance411.com can assist you in addressing “how much” and “what kind” of insurance is appropriate for your needs.
A good start is a term life insurance plan. They are simple to understand and by far the most affordable. Click here to shop and compare life insurance quotes to find the one that best matches your needs.
Term Life Insurance for Christmas
Friday, December 7, 2012
The man who dies without adequate life insurance,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,
“The man who dies
without adequate life
insurance should
have to come back
and see the mess
he has created.”
~ Will Rogers ~
(1879-1935, American Humorist, Actor)
Do you have a plan? What is your plan?
Go to - I love my family - Because you care.
Saturday, December 1, 2012
I got enough life insurance
"I got enough life insurance"
Are you sure??
Go to: life-insurance-needs-calculator
Want to know more - click here - Because you care.
I got enough life insurance
Wednesday, November 21, 2012
Why do you need life insurance
Why do you need life insurance
Happy Thanksgiving
Why Buy Life Insurance - Click below
Why do you need life insurance
What is your plan? Do you have a plan? Click here - Because you care.
Why do you need life insurance
Wednesday, November 14, 2012
TOP 10 REASONS TO BUY TERM LIFE INSURANCE
TOP 10 REASONS TO BUY TERM LIFE INSURANCE
TOP 10 REASONS TO BUY TERM LIFE INSURANCE
1. To replace your income
2.
To
provide funds for your family’s future living expenses
3.
To
pay off your mortgage
4.
To
pay for college tuition for your kids or other family members
5.
To
pay off outstanding debt
6.
To
provide for your spouse’s retirement
7.
To
provide additional coverage when adding family members
8.
To
provide funds to continue a business or assist with tax planning
9.
To
provide for your burial, funeral and final expenses
10. To leave money to your favorite charity or charities
To summarize, life insurance is the very foundation of a well
thought out financial plan. Those who purchase life insurance are planners and
forward thinkers.
They sleep well at night with an assurance and peace of mind
that only this coverage can provide. Your professional
insurance agent, Mike Sheehan, will shop all the highly rated carriers and come up
with an affordable protection plan for you, your family and loved ones.
Wednesday, November 7, 2012
Combatting consumers' life insurance apathy
Combatting consumers' life insurance apathy
Consumers are focused on other financial priorities
According to the nonprofit LIFE Foundation and LIMRA’s 2012 Insurance Barometer Study,
nearly a third of all consumers believe they need more life insurance.
The top reason uninsured or under-insured
consumers cite for not obtaining more life insurance is that they have “other
financial priorities.” That was mentioned as a factor by 85 percent of survey
respondents.
The study found consumers are more concerned
with paying their mortgage or rent (31 percent say they are extremely or very
concerned) or losing money on investments (26 percent) than they are with
issues that speak to the need for life insurance. Having enough money for a
comfortable retirement continues to be consumers’ top financial concern (50
percent say they are extremely or very concerned).
It is reasonable to consider that the
recession has forced many people to put things like securing life insurance on
the back burner as they attend to what they perceive as more immediate needs, whether
it be it covering basic living expenses, trying to squirrel away more money for
retirement or contributing to their children’s college funds. But many
middle-income consumers who could afford coverage would rather buy something
tangible, like a new flat screen TV or the newest Apple gadget, than put that
disposable income toward life insurance.
Life insurance is not top of mind - Combatting consumers' life insurance apathy
The life insurance industry realizes people
are not being educated about why they need life insurance and why owning it
needs to be higher on their priority list. But how to go about correcting the
problem is another matter.
“People are aware of life insurance. If their
financial advisor recommends it, they are inclined to buy it, but it’s probably
not top of mind for most people.”
Raising awareness is only part of the issue.
The industry also needs to dispel misconceptions and perhaps even fundamentally
change the way it approaches consumers.
People don’t understand life insurance -
Most life insurance
policy owners neither read nor fully understand their policies, and they have
little interest in voluntarily acquiring additional information. Getting people
who don’t own life insurance to understand what they’re being asked to buy is
another big challenge.
People who know they need life insurance
coverage usually don’t know how much coverage they need, and tend to seriously overestimate how much it would cost. The 2012
Insurance Barometer Study revealed that consumers believe life insurance costs
nearly three times the actual price, which undoubtedly
deters them from getting the coverage they admit they need. Beyond “other
financial priorities,” the second most common reason survey respondents
mentioned for not obtaining more coverage is that life insurance is “too
expensive.” Combatting consumers' life insurance apathy
Survey respondents were asked to estimate the
annual cost of a 20-year, $250,000, level-term life policy for a healthy 30
year old consumer. The actual cost is roughly $150, but Americans estimate the
cost at $400. Younger adults, who are most likely to qualify for preferred
pricing, overestimate the cost by nearly seven times the
actual cost.
The fact is, the cost for basic term life insurance has fallen by about 50 percent over the past 10 years and has never been more affordable. Owning life insurance is fundamental to a family’s financial security. Combatting consumers' life insurance apathy
What is your
plan? Do you have a plan? Click here to find out your options.
Contributing to post -
Brian Anderson
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