Evans Insurance Services Inc. Blog
Having life insurance is not enough; you must own it. It may just be the most important coverage for you and your family, I know you probably have home and auto insurance as this is a given for most people, but what about life insurance? If you are like most people you will tell me you have it as a benefit through work. Well you are truly lucky. Did you know that not all companies offer it as a benefit? A little word of advice, consider your benefit through work as your extra life insurance or icing on the cake is how I like to put it. But please don't let it be the only life policy you have. You need to own your life insurance policy, one set up separate outside of work through a trusted insurance advisor, like me.
In my tenure as an insurance agent I have heard many reasons why a person does not want to buy life insurance, but this, by far, is the number one reason I hear. So before you count your work's life insurance policy as your only policy to protect you and your family, ask yourself and your employer one important question. What if you lose your job for health reasons, because of a disability, because you get laid off or quit, would you be able to take that life insurance benefit with you? I would love to know the answer so feel free to call me to let me know how your company handles this. But in most cases the answer will be no, but if they do I've seen companies charge higher prices then what you can buy in the free market. If this is true then you are one step away from losing the life insurance that you count on to protect your family. So unless you can guarantee that the above situations are never going to happen, then you need to purchase a life policy while you are still young and healthy enough to qualify.
This year I had a client who confirmed my fear about the problems of only having life insurance through work. I received a call one day from a customer that told me he was getting a new job; with this one move he was going to improve many things but he also was going to lose his life insurance. Now a home and 3 kids later he needed life insurance and he needed it fast. Luckily, I was able to get it for him and that was only for the mere reason that he could still qualify for it.; but I'll tell you not all stories like this one have a happy ending. I believe you're the only one who can truly protect your family, and in these trying economic times, don't depend on your company to do it for you, but put your life policy in your own hands. After all life insurance is the lowest it has ever been. The time to buy life insurance is when you are healthy and young, and that time is now.
As an Independent Insurance Agent located in chester county Pa. I can do the shopping for you. I work with over 30 of the top carriers in the industry so request a quote through my website (Life quotes) and just see how inexpensive it truly is! This month of September is life insurance awareness month so please help me spread the word and lets inform others about the importance of owning life insurance. If you have friends and relatives outside of the state no worries because I've expanded my insurance license to include Maryland, Delaware and New Jersey and I'm always happy to help.
I look forward to hearing from you.
Your Agent and Friend