Preheader
Get A Quote
subheader Home Page



You’ve probably heard us talk about life insurance a few times by now.  And maybe you don’t pay much attention because you know that you’re covered through your work insurance policy.  But this could be a big mistake!

Many people believe that life insurance through work is all they need and it turns out to be a BIG problem.  Here’s why…

Life insurance policies through work are usually for a small amount.  Most of these policies are considered a burial policy.  They provide $10,000 or less, mostly to cover unexpected funeral costs.  And while this is a great thing to have, it is NOT the right protection for a family.  In fact, most breadwinners need a minimum of $50,000-$100,000 to adequately provide for their children (and it rarely costs much more than the work policy!)  

Another downfall?  Work provided life insurance is only available during the time that you are employed by the company.  So when you change jobs that coverage is suddenly gone.  And the kicker?  You’ve gotten older and may not be able to qualify for your own coverage.

Life insurance premiums increase as you age (and especially if you have any health conditions).  That means that each year you wait, the price goes up.  So if you received coverage through work for 10 years, you could end up paying a LOT more after you leave the job, then you would if you locked in your private policy 10 years ago.

Plus, there is always the risk of incurring a medical condition during that time that might prevent you from qualifying on your own.   Maybe during those 10 years you developed diabetes or even just gained 20 pounds.  Your own life insurance could be hard to get or might have become unaffordable for your budget.

But all of this can be prevented by locking in your own privately owned policy NOW.  Even if the work coverage is free, it’s worth it to have your own coverage in the proper amount to actually provide for your family.  

Give us a call today and we’ll help you get started with a free no-obligation life insurance quote.

 

Posted 8:00 AM  View Comments

Share |


No Comments


Post a Comment
Name
Required
E-Mail
Required (Not Displayed)
Comment
Required


All comments are moderated and stripped of HTML.
Submission Validation
Required
CAPTCHA
Change the CAPTCHA codeSpeak the CAPTCHA code
 
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive


View Mobile Version
Home | ProductsAbout UsCompanies | Partners | Read Our Blog | Join Our Newsletter | Contact Us 
Policy Review | Policy Changes | ClaimsPayment Options | Insurance Glossary | Our Privacy Policy
  235 Pearl Nix Parkway, Suite 1-B | Gainsville, GA 30501
PH: (770) 287-9900
Powered by Insurance Website Builder

Blog
Contact Us