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eNewsletter: December 2008

Do You Have A Term, Whole Life or Universal Life Insurance Policy?

For the adults working full-time, in relative good health the answer is: NO I don't have the money for insurance right now. Many people expect their employer to provide their family's insurance coverage. What many people may not realize is you cannot expect your employer to provide ample insurance coverage to pay off a mortgage or provide extra cash for a family who's lost their primary breadwinner.
Here's a few examples of why it's important for families' to provide their own insurance in addition to the coverage provided by an employer.

1 - Parents struggle when a spouse dies without life insurance. The house still has a large mortgage, there's still a few thousand dollars owed on the family car loans and the kids still need money for college. If the surviving spouse doesn't earn enough money to pay the bills alone the family spirals into debt (usually on credit cards). That $10,000 insurance policy from the deceased spouse's employer will not cover a mortgage, car loa college and burial expenses!

2 - Single parents out there who are dependant on child support to make ends meet suffer the most! If you the parent don't have an insurance policy you have NOTHING to leave to your children for monetary support, a college education and worst yet your family members will be left to provide for your kids.

3 - The average cost of a burial is $4000 - $5000. This doesn't include flowers, the casket or any extra funeral home expenses. Think about it... you wouldn't want your beloved family member to be buried in the same plot with 3 or 4 other deceased persons. This practice of burying several people in one plot is something I learned when my uncle died and our family was trying to find an affordable burial lot. My uncle didn't have any life insurance and our extended family pooled money to pay for the entire funeral.

4 - So by now you must be thinking what do I get for all the premiums I pay into the life insurance year after year? After all we humans like to know what we get for the money especially if we may not need the actual product for years to come. Keep in mind, a Whole Life policy with a cash savings option is great for any family. Everytime you pay your monthly premium for the insurance policy; the policy builds cash value. This type of policy can be used as a bargaining tool for a loan (yes like a mortgage) or you can add the value of the policy to your investment portfolio. Just think... if you don't have an investment portfolio you can start by using the cash value of the insurance policy.

As a licensed insurance broker I've met with so many people who said they can't afford insurance plus they are in good health and don't need it now. Please don't fool yourselves to believe insurance is too expensive. A life insurance policy CAN cost LESS than your monthly cable or cell phone bill! With that said put your finances in order now before a tragic event forces you to take action. Start with your family's insurance protection and use this as a base for other investments. Then when someone asks: do you have a Life Insurance Policy say "YES, I have coverage just in case something happens and I'm saving money for the future with my policy."

by Bridget B's Blog on Shine from Yahoo!

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Do You Have A Term, Whole Life or Universal Life Insurance Policy? Are you paying too much?

Save Time & Money! For A Free & Instant Quick Quote
CALL Toll-Free: 1-888-977-7778 Monday to Friday 9AM to 9PM Saturdays 11AM to 5PM Eastern OR CLICK http://www.justincaseinsurance.com/appointment.html
to schedule a phone appointment, for a free, no-obligation to buy, independent and unbiased, review and competitive quotes on we can help you pay less for your Life Insurance Policy Contract(s).