You may possess some pre-conceived notions about life insurance, and if you have done any research you’ve probably found conflicting views on the topic. Knowing whether or not insurance is right for you can be difficult to determine on your own. That’s why we’re here to help.
Here are some common lifestyles and how life insurance applies to each one. Find the one that best matches you and your lifestyle:
The Family (Wo)man
Your life is centered around your spouse and children. You work hard to provide for your family, and want to make sure you are doing what’s best for them.
If you are at this point in your life, then you probably understand how important insurance is to someone with a growing family. It guarantees that should anything happen to you, your family is well provided for.
Even if you are not the sole provider for your family, insurance covers the costs for the many things you do. For example: if the parent who cares for the kids passes away, childcare or other similar services may now be necessary, which can be costly.
Life insurance is crucial for this lifestyle; you want to protect your family’s future against any possible circumstance.
Mr. / Miss Independent
You’re single and independent, and you don’t have anyone who depends on you financially. Insurance may not be as critical for you as a person with a family, but that doesn’t mean getting it doesn’t have its benefits.
First, you should know that the younger you are, the cheaper it comes. Even if you don’t have a family now, you may have one in your future.
Life insurance doesn’t have to be for a spouse and children. Should something happen to you, insurance can help your parents, friends, or other relatives. It can also go towards paying funeral costs and paying off any debts.
It’s never too early to start planning for your future.
The Health Nut
You frequently visit the gym and are dedicated to eating healthy. You don’t smoke, and if you drink, it isn’t much. All in all, you know how to treat you body right.
If this is you, we have good news: you are the ideal candidate for insurance.
Insurance companies keep tabs on people’s habits, and you will be rewarded with lower rates for being a health-conscious individual. Also consider that the younger you are, the lower your rates.
It’s just one more benefit to living a healthy lifestyle!
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You’re young or maybe just young at heart. You’re having fun, and even though you have a few bad habits, you only live once, right?
You may not be thinking about it right now, but down the road you may be looking to get insured.
So what do drinking and smoking have to do with life insurance?As it turns out, a lot.
Providers want to know the most about everyone they insure. They need to know what your health habits are, so they can price your insurance accordingly. If they see that you smoke or drink (and they will)the cost for your insurance becomes automatically higher than a person who is a non-smoker, or say, who only drinks occasionally.
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