Speak with an experienced advisor! Life Insurance is a Gift of Life for Those you Love
The decision to buy life insurance isn’t about dollars and cents. It is about providing a secure future for your family, it is about dealing with the future and accepting the reality that, “life happens,” and happens in ways that are often unpredictable, and uncertain. Ways that can catch us completely off guard. I was in the Coast Guard, and our motto was “always ready,” I have carried that concept through life and it has served me well. This is especially true as it relates to the family.
Family Ties
A family makes life meaningful, brings joy, pride and security to life and is one of the institutions that is the glue of society. What we do today, our sacrifice and wisdom in planning will visit the third and fourth generation of our family line. Your family will feel your footprint for good or bad take root and be established in their lives. Since predicting the future is an impossible task, it is wise to expect and prepare for the unexpected. Your family relies not only on your emotional and moral support but also on your financial support.
Nothing can replace you, however, life insurance stands in your place when you can no longer be here. It is an extension of your life. It is the way you prepare to take care of your family when you are not here to take care of them yourself. We do not live forever, but love endures forever. Somewhere it says,” there is a time to live and a time to die,” you may live to be a 100 years old and see your grandchildren have children.
But, what If that does not happen. What if something unexpected happens and you are suddenly gone do to an unexpected health issue or end up living with a health issue like cancer, diabetes, coronary artery disease, elevated liver readings etc. Conditions that are difficult if not impossible to get life insurance coverage for.
You May be an Accident Waiting to Happen!
What about an accident that no one could have expected, after all they are called “accidents” they are unexpected and unintentional and result in damage, injury or death? We have all had them at one time or another. Some accidents are simply more tragic than others. How many “close calls” have all of us had. Like the time I knew it was risky to canoe in winter on an ice covered creek in Southern Indiana but went anyway, after all it was an “adventure.”
Common sense eludes us all at times. It was exciting and a unique experience, quiet with not a soul in sight. I enjoyed the frozen landscape and wondered what it was like for the early Americans. After all I was dressed in warm clothes and an expert at handling a canoe in all kinds of situations, I felt invincible, how many times have we thought just that, to be proven wrong?
But, there was that moment, that particular moment when I stopped paddling to pick up an interesting piece of drift wood that caught my attention frozen in the creek. It was heavier than it looked, oops. The canoe went one way and I went the other right on to ice that did not support my weight, I knew better.
Although alone, soaking wet in freezing water a long way from home I managed to survive. Just like i did when I was ice skating in northern Connecticut and fell through the ice. I was lucky again. I wonder how many of us have had similar experiences where we survived and avoided tragic consequences. I wonder how many are not here to tell about it that did not survive, the unlucky ones on a certain day. Unexpected health issues and accidents happen every day.
Ready or Not Here I Come
We cannot control everything that happens to us, no matter how careful we are or how well we plan. Some things in life are just out of our control. Someone has said, “Life just happens.” How can you be in control when someone is driving in a car headed your way? You do not know if they are talking on a cell phone, texting, shooting up on heroin or have suicidal tendencies or just plain sleepy. Some areas of this country are so dangerous that people sleep in bath tubs so they are not hit by a stray bullet at night.
Your life insurance policy is a living, active presence, holding out hope on one of the most tragic days of your loved one’s lives. It is a final loving act standing in place of your absence holding out a future for a spouse or children lessening the pain of loss. Whether that absence is due to natural causes or accidental ones, it provides money and comfort keeping their future alive so they can continue to have a place to live in comfort and can keep the home despite the mortgage payments that could not be made if it wasn’t for your life insurance. Your life insurance policy pays for home expenses, education costs for your children, outstanding loans, health insurance and non-covered medical expenses.
It provides monthly income replacement requirements It provides a financial safety net for those you care about the most at a time when they need it the most.
It provides for all the expenses related to your funeral and final expenses. It provides for their future and give them a place of rest even though you are no longer here.
It may not be everything needed but it keeps the dreams you shared alive and extends your love for your family. I have found there are two reasons to purchase life insurance. One is there is a debt owed the other there is someone you love. Safeguarding that you have adequate life insurance coverage is an excellent choice to protect your family.
It is a straight forward solution leaving a large amount of coverage, creating money where there was none before during a difficult time, at a low monthly cost. And, it is one of the few areas where you can still find guarantees in today’s challenging economy. I have been asked what I do for a living, I have replied, “I make money appear at a time when people need it the most.”
Why Using an Independent Agent is Important
One of the best ways to save money and make sure you are getting the best deal is to work with an experienced independent life insurance agent. Having experience life as a “captive” life agent I know what it means to be obligated and compelled to write a life policy for a client due to a company contract, when another company would have been a less expensive or had other features built into a policy more beneficial. I can still remember the regional manager saying “You left them in a better place than they were before.”
Although this was true, I regretted they could have been in an even better place than I left them. And, I can still remember walking into the office turning in my laptop unexpectedly and saying, “I quit,” and being laughed at thinking I was joking and being told, “You can’t quit.” I did quit, I had secured an appointment with Fidelity Life and since then have added many well-known respected easily recognizable top rated companies to my portfolio.
Now my staff and I shop the entire marketplace and evaluate all the carriers, plans, options and costs to fit your needs. If you have a current policy, in most every case a comparison will show significant savings or better coverage for the same payment. Today is the day to apply for the protection your family needs, tomorrow is not guaranteed.