Nobody likes to talk about the need for life insurance. After all, purchasing a life insurance policy forces us to face our own mortality. But don’t put it off. Rates are cheaper for higher coverage when you’re younger and in good health.
Life insurance is protection for your family. It’s not about “making them rich when you’re gone”. It’s about ensuring that you don’t leave them destitute or financially struggling.
In most cases, a young and growing family has one or two “bread winners” who “bring home the bacon.” Likewise, the typical family has to pay something each month to keep a roof over their heads, whether that be rent or a mortgage. Along with housing expenses, there are utilities: water, electric, propane, trash removal, Internet, TV, and more. While some of the utilities (like Internet and TV) may not be essential, others such as water and electric are must-haves.
Then there’s food, clothing, gasoline, car payments, education, and general day-to-day cost-of-living expenses your family must pay to sustain themselves. And we haven’t even addressed funeral costs and burial expenses.
If you love your family, you’ll want to provide for them if (when) that unpleasant moment comes when you are no longer around. They’ll be grieving, of course, but after the dust settles and they’ve arrived at a “new normal” without you, the purpose of life insurance is to ensure they don’t lose the house or financially struggle to maintain their standards of living.
That doesn’t mean life insurance has to be expensive. Depending on your household’s typical income & expenses, your health, where you are in your career, etc., life insurance can often times cost as little as a decent restaurant meal. It can also be used as an investment to hedge against inflation, depending on the type of policy you decide upon. There are a variety of options, and it can be a bit daunting if you don’t have someone to guide you through your choices.
That’s where we come in. Count on Bratton Insurance to help you choose the best-fit option for your family based on your unique circumstances, budget, and financial needs. Visit our Life Insurance page to learn more.
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