Life insurance is one of those things that people don’t like to talk about, however, it can be a great gift to your family if you aren’t here to help them through a difficult time.
If you have a young family, do you want to know that finances won’t be an additional stressor if you aren’t here?
Have you made a large purchase investment that has a mortgage? Is your family covered if you are unable to make those mortgage payments?
Let us talk to you about some of the scenarios we have witnessed. Its about peace of mind… Life Insurance is a product we truly believe in because of a real life situation when one of our agents started selling insurance. As a new agent, he didn’t like the idea of sales quotas being pushed on him, and he really didn’t like the idea of betting on lives. He didn’t want to do sales pitches that felt “smarmy” somehow. One day, he went out to meet with a client who was purchasing home owners insurance for a new home the family was building. Our agent and the young father briefly discussed a life insurance policy which would cover the mortgage of the new home and would provide some funds for his wife who was a stay at home mom with young children. The young father said he would think about it.
Jump forward a short amount of time. You guessed it, but you probably didn’t guess how. None of us plans on having an accident. That just isn’t the plan. We plan on immortality. Or at least we plan on immortality until later. The young father fell into the foundation of the home that was under construction. He broke his neck and passed away. The young wife contacted our agent because she remembered that her husband had briefly discussed a life insurance policy. This is a story our agent will never forget, because he had to tell the grieving young mother that no policy was purchased.
A life insurance policy can never erase the pain of losing a loved one. Nor can it guarantee financial security for your family. A life insurance policy can only help reduce a little bit of financial stress during an incredibly difficult time. Money is certainly not a replacement for the important things in our lives and money can’t buy happiness and no amount of money is worth a life. Even so, we would like to talk to you about some of the life insurance products and annuities that we have. One might fit what you are looking for, even if you don’t want to look for it.
We can help you understand the differences between term insurance, whole life insurance, and annuities. We can help you decide if any of these products make sense for planning for college expenses or retirement as part of your overall financial plan. Life insurance is a tool, not an investment, and we are happy to help you determine if it’s a tool you need. We may even have products available that will give you discounts on your other insurance policies. Can it hurt to find out?