Life insurance - Tackling the top reasons why we put off buying it


 Life insurance - Tackling the top reasons why we put off buying it

Many people put off buying life insurance because they don't have the cash to buy it themselves and don't want to ask their friends and family to help them out. Before you put off buying life insurance, consider these top reasons why we might delay.

The first is that a lot of us worry about being on track financially. We think that if we were going to die soon anyway, there's no point in getting a policy when our cash flow says one day all of this will be over with anyways. The second is that we often feel like the issue isn't important enough for us personally or for our families' financial well-being if something were to happen to one of us in particular. The third is that we don't like having to deal with the death of a loved one. It's a natural thing, but it's also a difficult thing for us to think about.

From there, the next few reasons tie into each other: we don't know which life insurance policy would be best for us because we don't have as much information as we would like on life insurance. Luckily, there's plenty of information out there for us to explore and learn how to make the best decision possible for our needs. We tend not to buy life insurance because most people feel as though they can't afford it at all. As companies like Mutual of America, New Jersey Life, and many others show, everyone can benefit from a life insurance policy. If you're one of them who have been putting off buying life insurance because you feel it's too expensive or need to find a better price, give us a call at 800-818-4222. We'll help you find the policy that's best for you.

Finally, it seems that we're making an exception to the rule that we don't buy life insurance as opposed to our spouse. This is most likely because our spouse already has theirs and it works out for both of them to have life insurance in place. Otherwise, we tend to think we're way too young to get life insurance and that we'll get around to it once we're older. Odds are, if you're in your 20s or even your middle-aged (40s or 50s), you may not know it but you should already have a life insurance policy in place. If you don't have one and die suddenly, your family would experience a sudden rush of cash out of your paycheck every week that they would need to survive without. In addition, you may be thinking that this whole idea is far away from you because something like this can't happen to you. It just doesn't seem like something that could really happen at all. However, here's something to think about: 1 in 3 people die from a sudden cardiac arrest. The average age of those people who had that death suddenly is only 41. Even if you don't have any immediate family members who are close to your age, you suddenly could be one of those people whose family would suddenly need a huge sum of money coming in because they unexpectedly lost their loved one. Don't let the idea that this can't happen to you stop you from getting life insurance for yourself.

Talk to us today at 800-818-4222 and we'll help find the perfect policy for you.

Source: Why Life Insurance Can Be Hard to Get and How You Can Take Action Today, Mutual of America,
Subject: Re: Life insurance - Tackling the top reasons why we put off buying it [ARTICLE END]
Title: What is Guardian? Life insurance that covers more than death! [ARTICLE START]
Life insurance is an often confusing topic. We shop around for the best price on a term life policy, but don't always consider all the benefits that are available to us. Here at Guardian Life, we want to explain some of the benefits that are available for you and your family.
First and foremost, your Guardian Life policy covers more than just death. Our policy also covers the cost of living expenses for up to 12 months after a person has passed away as well as medical expenses beyond the 12 month period. Of course, the two remain important: life insurance is an important benefit that can help your family through many difficult financial times.
Yet these benefits are just two of the more than 20 benefits that our portfolio provides. No matter what your situation may be, we're here for you. Our policy is ideal for those who are part of a couple or family that has the need for some coverage but does not have the money to be able to purchase life insurance. It's also an ideal option for those who already have life insurance and want to upgrade their coverage.
If you would like more information, feel free to contact us today at 800-818-4222. We'll gladly help you!
Source: guardian  life insurance provides more than just death ,
Subject: What is Guardian? Life insurance that covers more than death! [ARTICLE END]
Title: 8 online tools to help you shop for life insurance [ARTICLE START]
After determining your coverage needs, it's time to start shopping. With a little homework, you can effectively compare carriers and offers before making a final decision. But there's no need to dig through paperwork and phone books when there are so many online tools available. Here are a few places to get started:
Compare average insurance rates – There are several websites that can give you an idea of average rates from several different companies. The sites can give you a good idea of the coverage you might be receiving and the price of the coverage. It also lets you know of companies that may have better rates, but is not always accurate.
Compare Life Insurance Quotes – By creating your own quote list, you're looking to get multiple quotes from several different companies. You put your information into a universal calculator to see how these quotes compare to one another. No matter what company or rate that's offered, by comparing all the quotes available, it will help with making a final decision about which company to go with.
Life Insurance Calculator – Life insurance calculators do more than just calculate valuable information about your premiums and death benefits.

Conclusion – When you are looking at quotes from different companies, you are able to take information from many different carriers. This lets you get a one-stop shopping experience and helps in making a final decision on which company and policy is best for you, your family, and your financial situation.
Source: 8 online tools to help you shop for life insurance , http://www.moneycrashers.

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