Life Insurance Awareness Month

September is Life Insurance Awareness Month

Did you know that more then 40% of Americans do not have life insurance? This is according to the 2015 Insurance Barometer Study by Life Happens and LIMRA.  That is why each September the insurance industry brings awareness to Life Insurance as a reminder of the INVALUABLE role that life insurance plays to the American family. 

Life insurance can be a hard subject to talk about, or so many people may believe. Instead of looking at the subject with dread, depression and anxiety, just remember;

  It's not about you, it's about THEM. 

As Insurance Agents one of our biggest fears is having the widowed mother of 3 small children walk into the office and say "Please tell me you had a life insurance policy on my Husband." Having to tell that young mother, is who grieving the lose of her husband, No; that will haunt us forever. It's a harsh reality for a family who has lost the main income, because unfortunately the bills keep coming no matter how long you take to grieve. 

Have you ever given a thought to the stay at home mother or father? It is also extremely important to have a policy in place for them as well. They may not bring in the "money" but what price would you put on everything else they do on a daily basis?

* Taxi service

* Housekeeper/Maid

* Daycare/Babysitter

* Cook

* Dog walker

*Loving the children unconditionally (Priceless)

The list could go on. Have you second guessed your decision to not purchase life insurance yet? 

We wanted you to be aware of the main excuses that we hear daily as to why people don't want to have the life insurance conversation. In the bullet points we have some great responses we hope will make you think twice about putting off looking into life insurance. 

1. I can't Afford life Insurance: 

• How much money do you spend each month on cable, cell phone bills, and coffee? Many people spend much more on those things then they would spend on life insurance.
• Imagine how hard it would be for your family to pay the bills without your salary.

2. I have Life Insurance through work:

• It is important to know how much coverage you currently have through your employer to make sure it is enough to sustain your family after you pass.
• If you change jobs or retire, it may be difficult to find an individual policy at an affordable rate, especially if your health has changed.
• With group insurance, the healthy people end of subsidizing the unhealthy people. When you purchase your own policy you pay premium based on your own health, not everyone else's.

3. I will take care of that later:

• Buying life insurance when you are young and healthy can save you a lot of money over time. The younger you are the lower the rate! 
• Life insurance is like a parachute. If you don't have it when you need it- it may be to late to buy it. 

4. Life Insurance is too complicated:

• Insurance agents are her to help. Life insurance is important and we want to make sure you understand it before you make any decisions.
• We can walk yo through the entire process to make sure everything makes sense.

If you don't remember anything else, remember this:  

The excuses you give to your agent today will sound ridiculous to your widow tomorrow. 

In today's society it seems like everything has a value. 

Car- $30,000

House- $300,000

Boat- $15,000

Family- PRICELESS

Why would you make sure to have insurance on your car, home and toys but not protect your most priceless possession?

Allstate has some really great life and retirement products that are extremely affordable. Please call us today to book your Life Insurance appointment. 

307-786-2886 * 307-789-1541 * 307-875-7544