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  • The No. 1 Reason People Don’t Buy Life Insurance and Why They Are Wrong

    “It’s too expensive!” is the common refrain when Americans are asked why they don’t get the life insurance protection they need. But—and it’s a big but—80% overestimate how much it costs. For the fifth year, Life Happens partnered with LIMRA to produce the Insurance Barometer Study, which looks at consumer trends and consumers’ perceptions regarding life insurance, retirement and their financial well-being. “We’ve consistently seen over the last five years that consumers think life insurance is more expensive than it really is,” says Marvin Feldman, CLU, ChFC, RFC, president and CEO of Life Happens. “We need to help educate the public about how affordable life insurance can be.” Here are more findings:
  • No Life Insurance Meant Learning to Do Without

    Life insurance certainly would have helped us get back on our feet after my dad’s death. It could have helped pay for my mom to go back to school and helped with the mounting bills. It would have eased the stress that comes with worrying about how to pay for groceries and bills. Life insurance would have been a godsend. I’ve learned that unexpected, and sometimes life altering, things happen in life, and life insurance can equal security and peace of mind. It’s a necessity!
  • Do You Really Need 10x Your Salary in Life Insurance?

    If you’ve spent time looking at information about choosing the right amount of life insurance, you’ll have found some fairly standard answers, but also a lot of ambiguity. That’s because the amount of life insurance a person needs varies on a case-by-case basis. Still, just like with other kinds of financial management, industry experts have weighed in on what they feel is best for the average consumer. One of these rules of thumb is taking out life insurance coverage equal to five to 10 times your salary. To many of us, that sounds like a lot of money. It’s only when you get into the details of figuring out how people use money over time that you realize that five to 10 times salary can actually be a pretty conservative estimate. Here are some of the considerations you’ll want to think about and take into account:
  • They Tried to Steal—From My Life Insurance!

    Well, it has finally happened. Someone out in the vastness of the internet was able to obtain my personal information and use it to try to fraudulently withdraw funds from my accounts. But this was not the normal type of fraud. This was someone who contacted an insurance company where I owned my life insurance policies. These fraudsters managed to change the mailing address on all of the policies id fraudalong with the email address the company had on record. Because these were permanent policies, they had accumulated substantial cash value over the years. So, the next day they requested the loan and surrender values on two of the policies.

Top 10 Reasons You Need Life Insurance! You may find that life insurance is something you not only need, but truly want.

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