Most people do not have life insurance because they just don’t understand the benefits. You may think “I am young and healthy, I don’t need it yet.” The truth of the matter is a good policy can benefit you at any age and not just when you pass away.
The number 1 reason people do not have a policy is – They think it is too expensive and they can’t afford it. The truth is you can get a very good policy for less than the cost of a cup of coffee at Starbucks daily. If you think your family budget it’s tight now, what would happen if your income was gone?
#2 I am healthy. No one is indestructible and no one can predict the future. Illnesses and accidents happen every day. The younger and healthier you are, the less expensive your policy will be to purchase an maintain. The longer you wait, the greater the likely hood that you may be paying higher premiums or be turned down altogether.
#3 Advertising has been primarily aimed at seniors and newborns, of which you are neither. There are many policies that are a great fit for those during their working adult years which build cash value that you are able to borrow against during your life not only for a death benefit.
#4 I am single and/or have no kids – What about a partner or friends? Naming someone you care but on a policy is one of the ultimate acts of love and caring. They will be mourning your passing, give them a cushion financially to make that time a little easier. You can also use these policies as tax-sheltered ways to accumulate money for retirement.
#5 I’ll do it eventually. This is one we hear on a daily basis. While there is no deadline – eventually could one day accidentally turn into “I wish they had”.
We know that talking about life insurance means considering the possibility of one’s own death. It can be an uncomfortable subject for a lot of people. It is important to take yourself out of your own perspective for a moment and look at how your death could impact those around you.
There is no better time than right now to decide to take responsibility for not only your own life but the eventual relinquishing of it. Allowing those around you peace of mind in one of the hardest times to go through. Life insurance can pay for your final expenses taking the burden off of those who love you.
Give Centennial Insurance Services a call today 239-247-5125 or visit us online at www.cisinsfl.com. Serving all of Southwest Florida.
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