Many families put off buying life insurance for various reasons. The excuses that come up are usually the same. Signing up for life insurance may not seem like a high priority at the moment, but life (and death) happens unexpectedly. When you put off getting life insurance, your family members are the ones who are really being put at risk. Don’t wait! Sign up for a life insurance policy today so you and your family can rest easily knowing that they’ll be covered in the event of an accident. Let’s touch on some of the reasons people delay getting life insurance and why those reasons should be dismissed.
- “I Know That I’m Healthy; Life Insurance Can Wait“
It’s a common misconception that if you’re young and healthy, you don’t need life insurance. But you’re not insuring yourself and your family against the improbable and the unforeseeable. Being in good health does not make you immune to life’s many accidents and tragedies. The truth is that if you’re under 40 with a clean health record, this is the best time to sign up for a life insurance policy. By buying now, you’ll have a lower monthly rate and get access to more life insurance plan options.
- “I Can’t Afford Life Insurance Because I Have a Pre-Existing Condition”
Yes, having a pre-existing condition can alter your life insurance policy and you’ll probably pay a higher rate. However, the price of your policy will also be determined by how you treat your condition. If you’ve been diagnosed with a disorder or a disease, a proper lifestyle and preventative healthy habits can lower your monthly payment. Additionally, if your health is deteriorating, you don’t want to put your family in any more jeopardy. Signing up for life insurance should become an even higher priority.
- “I Don’t Want to Go Through a Medical Exam”
The medical exam used in applying for life insurance is just like a routine physical. It usually involves a blood and a urine sample and monitoring things like you’re your heart rate, weight, and height. There’s nothing scary about it. Plus, if there are any issues with your health, you’ll want to know sooner rather than later.
- “I’m Not Ready to Face Death”
A fear of death can make people act superstitiously and illogically. Applying for life insurance does not make death any more probable. In fact, a life insurance policy may help you face your fears and help to prolong the inevitable. Death is a natural part of life. Don’t let your fear of it get in the way of protecting your loved ones.
Don’t wait until it’s too late. Crossing life insurance off of your to-do list comes as a huge relief and will be deeply satisfying for you and your loved ones. Good health or bad health, sign up for life insurance today so your family will be protected under any circumstances. You’ll be glad you did!