Life Insurance Isn’t For You

life insurance isn't for you

5 Reasons Why You Think You Don’t Need Life Insurance

There are some obvious circumstances when a person would need life insurance. For example, a single-parent family or a large family with a sole provider are compelling situations for purchasing insurance. However, here are five excuses for why people don’t purchase life insurance and equally good reasons to consider getting it:

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I have a policy through work.

Employer provided insurance is usually one or two times your annual salary.

What if you lose or switch jobs?

What about debt, living expenses and future college costs?


My children are grown.

Your spouse will still need daily living expenses.


I am single.

Qualify now while you are in good health. Your policy will be in place if a health issue arises later.


I don’t need life insurance because I am a stay-at-home parent.

Insurance carriers estimate the cost of services provided by a stay-at-home parent at approximately $50,000 a year. By providing childcare, transportation, housekeeping and much more, the other parent can focus on their career.


My estate will provide for my family.

That is great that you have things in place for your family’s future. However, many assets are not immediately available. And what if your will is contested or hung up in probate court? There are no lengthy delays with life insurance proceeds.

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Life insurance isn’t just for you.

Insurance provides you with peace of mind and your loved ones with financial security. It is for you and them. Check out the calculator above or click on the button below to find out more about financial planning for yourself and your loved ones. We are here to answer any questions that you may have. Contact us!

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