Top Five Life Insurance Myths
Don’t let these five misconceptions stop you from protecting your loved ones with life insurance.
More People Are Preparing for the Unexpected
Losing a loved one once felt like a distant possibility, but the pandemic has reminded us how fragile life can be. According to LIMRA, a trusted life insurance research group:
- 31% of consumers say COVID-19 has made them more likely to buy life insurance within the next 12 months.
A quick search for “funerals” on GoFundMe reveals heartbreaking stories of families facing financial crises after losing a loved one. Life is unpredictable, but you can avoid financial hardship by having life insurance in place.
Getting the right coverage is now faster and easier than ever. You can explore your options and get a no-obligation quote in seconds.
Click here to check your price and secure your family’s future!
The Bottom Line:
Millions of Americans lack critical life insurance, but today, securing coverage is simple and hassle-free.
Do These Thoughts Sound Familiar?
Here are five common reasons people put off getting life insurance—and why you should rethink them.
1. “I Can’t Afford It.”
Most people overestimate the cost of life insurance—millennials especially, by 5–10x! The truth? A healthy 35-year-old non-smoker can get a $1,000,000, 10-year term life policy for about $65 per month. That’s likely less than your car insurance. And between your car, house, or family, which is most important?
2. “My Work Insurance Is Enough.”
Employer-provided life insurance is typically just 1x your salary—not nearly enough to cover your family’s expenses long-term. Plus, if you change jobs, you could lose your coverage. A personal policy ensures your loved ones are protected no matter what.
3. “I Don’t Want to Think About It.”
Applying for life insurance can take less than 10 minutes—less time than your morning coffee!
- The longer you wait, the more expensive life insurance becomes.
- Health changes can affect your future insurability—locking in a policy now secures your rate for the long haul.
Click here to check your price and secure your family’s future!
4. “I Don’t Need It.”
Some believe they can self-insure, but the reality is different:
- 42% of Americans would face financial hardship within six months if the primary wage earner passed away.
- Raising a middle-class child born in 2015 costs nearly $300,000—not including college tuition, which can be $80,000 per year at top schools.
- Some policies provide living benefits—if you develop a terminal illness, you may access a portion of the death benefit to ease financial stress.
5. “The Process Is Too Complicated.”
It used to be! Traditional life insurance required medical exams and weeks or months of waiting. But now, you can get coverage quickly with no medical exams or blood tests—just answer a few health and lifestyle questions online.
Take Action to Protect Your Loved Ones
Don’t wait to get covered. Start by getting a quick, hassle-free quote today.
Click here to check your price and secure your family’s future!
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