Life Insurance Guide

It’s not a ton of dough, but it’ll go a lot further for your family than a big fat goose egg.

In all my years in this business, I’d say the one product that drives people nuts is life insurance. When a guy doesn’t have it, he squirms when the subject comes up; it gnaws away at him when he sleeps. Nothing but questions, confusion and, yes, guilt:

• “How much?”
• “When?”
• “What kind?”
• “I don’t want to go through all that medical stuff, what if they find ‘something’?”
• “Forget this, pass the remote.”

On the other hand, when that policy is finally issued, the same guy who was squirming suddenly feels relieved.

As a buyer and seller of life insurance, I can assure you this is true. Over-thinking the particulars of life insurance fuels our natural, all-too-human inclination to put off the purchase.

Here’s my take: Yes, do your research. Look into whole life, universal life, variable life, annuities, etc. (I can help.) But while you’re becoming an expert, please don’t miss the forest for the trees.

A family (YOURS!) needs the extra financial cushion to weather the financial catastrophe that follows the death of a breadwinner. Apply for $100,000 – $250,000 of 20-year level term protection now. For most people, this will fit into the family budget. For most families, it’s still not enough, but it’s better than nothing. It’s a good start. Underwriting and issuing this amount of life insurance is relatively ‘painless’. And I haven’t read yet about the widow who gave back the life insurance check to the company. “No thanks, my family doesn’t need this – give it to someone else more deserving.”

Two more quick points:

• Life insurance can’t be taken away once you’ve got it. BUT you may not be able to afford it or get any protection if you become ill before you apply (diabetes, heart disease. cancer, etc.)
• The world’s financial ‘flu’ infects the life insurance industry too. Rates and fees are rising. You can lock in your costs now with one of several top-rated companies.

Our agency is here to advise and sell you all the insurance products to protect your family – not just home and car insurance. Life insurance is a critical piece to your family’s security.

Call me for a quick indication of what $100,000 – $250,000 would cost you – I can give you a price in SECONDS. Call 215-891-9990 and ask for Steve.

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