Good afternoon. My name’s Ray Jahn, I’m with the Heidi Kussurelis Agency. Today I wanted to talk to you about life insurance. That’s the reason I’m here today, to give you some idea of why you should think about life insurance, the way that I think you ought to think about it, and that’s because everybody has a need for it, no matter where you’re at in the spectrum of your life. If you’re young, you say I have no expenses, or I have no big debts, I don’t own a house yet, but you still have cost associated with your lifestyle. That could be a car, could be burial costs, could be a number of other things that I’m not aware of. School bills, things like that. So, life insurance can address those issues for you and for your family that you leave behind.
Other people talk about life insurance from the standpoint that my employer’s taking care of that for me, I don’t need it. Well, there’s some truth to that, but also there’s some gaps in that. And the gap is, if you were to leave your work, you’re going to need to pick up a policy for yourself somewhere. You don’t want to be caught in the gap of buying a policy when you’re older or you’re in ill health, and you want to compliment what you’re doing at work with another policy that you can have a portability with and take that wherever you go. So if your employer lays you off, you’ve still got life insurance. Whereas with the company, it’s gone the minute you walk out the door, or they push you out the door. So that’s an important aspect as well.
The other thing is taking care of the spousal needs in terms of the family. People that have families, you have kids to raise. One of the players in the household is a key player for raising those kids, they’re probably not able to work as much as they would in their career. So that income may not be apparent to you, but it’s real because you have to replace that person in the household and raise those kids, and put them in school. So there are some costs there that you need to really bring to the forefront in terms of what life insurance can solve for that part of the equation, because we don’t know how long we’re on this planet. Any one of us could be gone in a car accident, walking out the door today.
And the other aspect I brought up is your health. It’s better to buy this insurance when you’re in good health than it would be to delay that purchase when your health might be compromised. How many people in this country have diabetes? Do you know what the effect of diabetes is on the cost of insurance? It’s four times. So don’t wait till you’re having ill health issues, buy it now when it’s reasonable and you’re taking care of your family at the same time, so you’re crossing off two things.
So, I just wanted to bring to the forefront some ideas about insurance, life insurance specifically, because it’s different than the home insurance and your auto insurance, and it brings to home the idea of how you take care of business within your own household and not rely on the employer, and not rely on somebody else after you’re gone to take care of business. Thank you.
Call Heidi KussurelisInsurance in Ann Arbor MI at (734) 213-6736