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Why Life Insurance Should Make Your List of New Years Resolutions

Why Life Insurance Should Make Your List of New Years Resolutions

The start of a new year is the perfect opportunity to reset, refocus, and make changes to ensure a happy and healthy future. As we reflect on the previous year and all the changes that it brought to our lives, we also look toward a fresh year with high hopes. Most people think of New Years resolutions in terms of losing weight, reading more books, or getting a job promotion, but let’s take a look at why life insurance should definitely make your list of resolutions this year.

Reflect On How Life Changed

Did you experience any big life changes over the past year? If so, you should reconsider how your insurance policies are serving you and whether you need to make changes to ensure they continue to meet your needs.

Did you add a new family member by birth or adoption in the last year?

Did you receive a promotion or raise at work?

Were you diagnosed with a serious medical condition and is that condition ongoing?

Any of these events can have a significant impact on your life insurance needs. The New Year is the perfect time to make sure you have the right coverage should the unthinkable happen. No one likes to think about actually needing to use life insurance, but it’s something that definitely shouldn’t be ignored. With some simple preparation, you can rest assured that your family will be financially protected in the event of your death, and won’t have to pay out of pocket for your funeral and general life expenses.

Questions To Ask Your Agent

Life insurance is extremely affordable, so it’s an incredibly easy investment and a wise decision. Call your insurance agent or stop by the office today and discuss your needs. He or she will help you understand policy details. Here are some questions to ask:

  • Why should I buy life insurance if my employer already provides this coverage?
  • Can you explain the different types of life insurance and their payouts?
  • Will my loved ones receive social security benefits?
  • Will I be covered if I become disabled?
  • What are the differences between single and joint coverage?
  • What do I need to know about inheritance tax?
  • Are there any exclusions?

At a time when many people are rethinking their finances and getting other things in order, use the New Year to make sure you have life insurance coverage in place, and that it meets your financial and payout needs. Don’t wait; reach out to your agent today and set yourself and your family on the path toward a successful future.

 

 

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