The Importance of Life Insurance

What is insurance?  This simple question is a baseline of why it is so important to have it.  Insurance is a financial safety net for when bad things happen.  We insure our vehicles, our homes, and our health so that we do not have to pay as much out of pocket when things go wrong.

But life insurance is different.  We purchase life insurance policies for the benefit of others, not ourselves.  There are no bills after death, only for those left behind.  Life insurance is an important risk management tool that will allow your loved ones to be more financially stable after your passing, especially if the you bring income into the home.

Life insurance can help a family pay for medical expenses.  Often there are medical expenses associated with one’s final days, whether it be medication or hospital stays.  Life insurance can help keep these types of expenses manageable for a family.

Another set of expenses that need to be kept in mind are the costs of the funeral and place of burial.  These have a wide range of prices, but life insurance can help ensure that the family does not have to pay out of pocket for the services associated with paying last respects.

What many parents also like to have covered by their life insurance policy is an inheritance for their children.  Leaving something behind it important to many people, and a life insurance policy can help ensure that something is being left behind for the children.  Depending on the age of the children, this can help save for their higher education or their own life expenses as adults.

There is also just standard living expenses for a family that has lost one of the breadwinners.  Expenses such as mortgages, food, and clothing are all important to keep in mind.  A life insurance policy can be an important safety net to bring peace of mind.

Bills don’t care if we are dead or alive.  Life insurance policies are important because they help those that are left behind take care of final expenses and life expenses moving forward.  We don’t buy life insurance for ourselves, we do it for those that we love to spare them unnecessary financial burden.  If you are an adult without life insurance, greatly consider purchasing some to help those around you.  If you do have life insurance, give it a second look to make sure that it is enough.  The sooner you do, the easier it is for everyone involved.

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