If Something Happened To You, Would Your Family Be Prepared?

“Why life insurance?” she remembers asking her husband. “I mean, it’s not as if we expect something bad to happen.” A steady drizzle falls on the somber gathering. Her mind wanders back to that day, searching for some kind of surety to hold onto.

The widow rises and places a single yellow rose on the casket signaling the guests to begin their final goodbyes.  Flanked by her nine year old son and five year old daughter she nods and murmurs a quiet ‘thank you’ to all of well wishers.

She isn’t hearing their words, however, because in the back of her mind amplified by the grief she wonders, “What will happen now?”

It was a mutual decision made over ten years ago.  She and Tom both wanted her to stay home and raise their children.  No babysitters or latchkey kids for them!

Of course, it did place a tremendous burden on their finances.  They cut corners and did without some of the luxuries their friends took for granted.  They were young and had plenty of time to think about life insurance, right? That’s when she asked him that question, “Why life insurance?” She’d thought the premiums were a waste of money, like gambling or buying junk food.

Tom did have a small life insurance policy from his work, but now as she did the mental computations she determined that once this funeral was paid for it wasn’t going to leave them with much more than a month or two of income.

There was that money in the college funds for the kids, perhaps that would help them get by until she could sharpen up her skills and see what kind of work she could find.  Ten years ago, however, she was just graduated from college and had never really entered the job market.

The house would have to go.  There is no way she could afford the payments without his income.   And, how could she possibly handle the credit card debt on her own when it had been a struggle to make the payments every month?  What about the staggering medical bills?  How is she going to cover that?

Don’t Let Your Loved Ones Down!

If the unthinkable should happen to you, the last thing your loved ones need in the wake of their grief is the heavy financial burden caused by your absence. While the story above is fictional, the reality is that this is a scene that is played out around the globe every single day.  This is one more case of having to face reality.  Every day, people are asking the question, “Why life insurance?” only to find that the answer is painfully clear. Don’t think this matter relates only to  husbands and fathers.  It happens to wives and mothers as well.

Are you anything like our fictional family in this story?  Are you taking a gamble and hoping you can beat the odds?

What can you do?

The first thing you need to do is realize that you MUST have life insurance coverage of some kind, even if only to cover the catastrophic expenses like our family in the story above.

Next, you need to get informed!  Most insurance plans are so unwieldy and filled with “legalese” that they make it almost impossible to understand.

That’s where we come in. What we offer you is not just another “directory” of insurance providers who are advertising their products.

The answers to all your questions about life insurance are right at your fingertips.  Don’t find yourself in the same situation as our widow.  Take control before it’s too late.  Your family will thank you and you’ll be glad you did.

Health insurance handles your health and well-being. Car insurance addresses your car and drivers. And life insurance covers the folks in your life still left to grieve and carry on after your death. That is why you need to consider life insurance. It’s not about loss of life – it’s about living. And buying term life insurance policy to protect your loved ones is simply one of the smartest and most significant actions that you can take.

Think about all of the ways your spouse, your children and even other family members rely on your income. Having the right coverage could mean all the difference for your loved ones to make the mortgage payment or the rent… make car payments and credit card payments… buy groceries and clothes… and just manage the day-to-day cost of living in today’s changing economic times. How would your children be able to afford a college education if you were pass on? Your family’s future depends on your ability to provide for them – maybe the most crucial of commitments you can ever make.

Life insurance offers a safeguard against the potential of crisis circumstances in the event that your family ever needs to get along without you. Far too often, bereaved family members become homeless or go bankrupt because they just didn’t plan ahead. Don’t let this happen.

There are so many reasons why life insurance is beneficial – a crucial part of your financial plan.

If you have health insurance, that’s terrific. Car insurance? Essential. And so is life insurance. Don’t delay – get covered now.

Our experts will research help you find the best life insurance rates based on the information you provide, so that the life insurance quotes you receive will be tailored for your specific needs. We can also provide you with information and guidance with college savings, retirement savings, and other insurance and financial planning needs.

To find out more about your life insurance options, contact Beama Money for a free quote today. We’ve got you covered… for life!

“YES! I know I need a life insurance quote. I’m entering my name and email address here. Please contact me for a no-cost, no-obligation Life Insurance quote. Count me in!”