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There is one thing that is certain to happen to us all in this life. Death. It is a rather morbid and somber topic for most. It can be uncomfortable as it is unrelatable. And let’s be honest, we’ve been able to wake up and be alive every single day of our existence, so how are we sure we can fully understand the end of it? That is a rather tough question to answer in a blog post. As for the financial future of the loved ones, you will leave behind, the answer can be much easier to tackle.

We’ve all heard the old adage:

“The best time to plant a tree was 20 years ago. The second best time is now.”Chinese Proverb

There is an ancient insurance version of the same proverb, and it goes a little something like this…

“The best time to buy life insurance was 20 years ago. The second best time is now.” Globe Insurance Guru

It’s not hard to take trees for granted. It isn’t every day we go out and plant something and wait weeks, months, maybe even years to cultivate a tree. The same could be said of our financial future. Sure, we might have an employer-sponsored life insurance plan, but, how often do we ask ourselves “is this really enough”, “what will happen if I lose this job?”. Very few employer-sponsored policies are prepared to help your family weather the financial distress of losing your life, and your income. Whether it is term or permanent, supplemental life insurance is often needed to protect everything that you have worked hard to have.

It is awfully hard to face, but the conversation has to start somehow. We don’t know how or when we will face our own mortality. Will there be hospital bills? Is there enough in savings to cover the next mortgage payment, the next car note, next month’s groceries? Do any of your children have aspirations of attending a college someday, perhaps soon? Having the proper coverage in life insurance will ensure that the bills will be paid while your family can grieve. We would upset to imagine that someday our spouse might have to take on an extra job just to keep the lights on. Life insurance is the proactive measure to secure financial freedom for our loved ones.

One of the best tips to purchasing life insurance is to not wait! Your age and health status are often the biggest determinants of what the final premium will be. Considering that health tends to favor the young, getting life insurance as early as possible ensures that you will capitalize on the best life insurance rates of your life. Consumers overestimate the complexity and the price of life insurance.

Talk to an experienced Globe Insurance agent today to make the right step towards reaching your financial goals. (708) 237-3700

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