There is one thing that always comes to mind when I am helping out a new client or a new client's family and is that do they have
life insurance. Most people are probably just thinking,"He is probably looking for something else to make money off of us." That happens to be the farthest thing from the truth. Would I like to place you with
life insurance, of course, but I mainly just want you to have it. This blog will talk about 3 major reasons why I always ask if you have
life insurance.
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| Who in your life would you need to protect. |
The first reason is simple. It is because it is the most important policy that
my agency sells. It is also the most versatile in that it protects so many. It protects your family from debt collectors, final expenses, life style changes and many more things. When I place a
life policy I know that everyone that comes into contact with you is better off. That is how versatile this policy is. There is not another policy we or any other
insurance company offers that is more important.
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| Debt adds enough stress to life, but do you wish that on your family? |
The second reason is that I have seen it work for families who needed it. I have also seen how damaging it is for the families who haven't had it. I've seen young families lose a head of household tragically without
life insurance. They couldn't afford any kind of expenses for the funeral little alone the next few years. They were put in positions where they had to call family members to ask for money, take collections in memory of them and down grade ceremonies. I have seen them give up their houses, take on second jobs and not be able to afford their children's educations. It is a terrible thing to watch. It all could have been prevented with
correct planning and placement of
life insurance. In the cases that did have it they were able to mourn the passing of the loved one as it should be.
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| Who would you leave behind? |
The final reason could be considered a little selfish but it is more a standard that I hold myself to. As an
insurance consultant,
I do my best to make sure you are prepared for life's worse. If I don't ask, there is a chance you could have nothing in place or realize how important it is. Maybe you just think it won't happen but without asking we will never know. I don't want to be the one to tell your significant other that I didn't do my job and that is why they don't have protection. It is my job to ask the hard questions.
Life is terrible unpredictable. I can honestly say that placing
life policies to me is more than a job. It is my duty to the people around me. I don't want to watch your family struggle or have them struggle because I didn't do you the justice of asking.
Life insurance is not for you, it is for the ones you love. We believe in the policy so much we will review any policy for free any time you would like. All I ask is that you use someone,
like me, to write your policy the correct with the appropriate amount of coverage.
