Speak with an experienced advisor! (800) 208-4575So you aren’t sure if you want to purchase a life insurance policy. You think it’s too expensive and you have other things you have to spend that money on. The budget is just too tight, there just isn’t enough money left over to be able to afford that policy. Besides I’ve got plenty of time.
Hear the reasoning and your excuses talking to you? Listen: I gotta have that mocha latte every day on the way to work, it’s just my little wake up to get me going for the day and I mean I am going to that sorry #$% job I deserve a good cup a joe. I don’t have time to fix my lunch and besides that’s boring and too much work so I’ll just go through the drive thru or order lunch with the rest of the work gang. Finally off work! Too tired to cook and not enough time anyway, the kids have a ball game so we’ll just grab a pizza and soda or eat something from the concession stand. Phew, finally home after a long day! Going to sit down here and chill out before bed, grab a bag of chips and a beer or wine and see what on the tube. Got to have cable or satellite that’s how I relax after work every day. There’s just nothing on regular TV worth watching. And hey if I want to rent a movie that’s ok too, because I deserve it after slaving all day at work and running the kids everywhere after work. New car, hey man, my other one was two years old and I work hard and I’m not going to drive a clunker. Oh, and don’t even talk to me man about giving up my cigarettes I’ve tried before and it’s just not a big deal, there are worse things I could do. Alcohol don’t even go there….I deserve to relax at night or on the weekend and if I want to get a buzz just chill out dude.
Well, you get the point! Maybe you don’t spend money on all of these things, maybe not any of those mentioned above but we all spend money on things that aren’t necessary. Things that we could do without and can actually improve our life, our budget and our health. If we honestly looked at our habits and our budget we could definitely find some things that could be trimmed down or eliminated. I’m not saying that you have to eliminate anything but a little tweak here and there could make a huge difference in your financial budget. Not only to your budget but your health. (We can discuss health and how to feel better and be a better you in a future article).
Now take a deep breath and picture this in your mind: you didn’t tweak anything in that budget of your yours and buy that insurance plan. Besides you have plenty of time. You are young and have a family history of longevity. But the unexpected happens. Something you didn’t plan for, something that you said was too expensive, not important right now, you have plenty of time you said. Well that expected happened…… you died and now your loved ones are faced with all the emotions of your passing from this life into eternity. The emotional pain of losing a loved one is one of the most difficult emotions a loved one will ever have to deal with. Unexpected deaths are even more painful for those left behind than than the sorrow of losing a dear family member that has lived a very long life. Now add to the normal painful sorrow that your family members will experience; the pain, turmoil, suffering, embarrassment, shame and stress of the financial burden of losing you, their loved one, without a life insurance policy. They just lost their most precious family member and have no way to pay for a decent funeral. OH my, what will they do now?!? The funeral home won’t take payments, they have to have a life insurance policy or cash money and the funeral is over $10,000! Oh, no what will my precious loved ones do? Will they have to ask other close family memebers, extended family, friends, go to the bank, take donations, start a go fund me account, ask churches and charities? No time to sell anything we have to do a funeral it can’t wait for weeks, or months for your “things” to sell. Oh, and what about the mortgage? It took both of us working to pay for everything and maintain our living standard. What’s the family going to do on one paycheck with all the bills and the funeral costs? Will they have to move? Where will they move? Will the kids have to change schools and quit all extra curricular activities? What about their college education? Will they have to go to work to help out? What about clothes, shoes, even food? So much to deal with, so much for them to think about. So many decisions, so much uncertainty and all on top of just knowing you are no longer there to love, to hold, to hear your laughter, to see you cheering them on from the stands.
Even in the face of death think how different it would be for them if you would have had the life insurance policy. Through the tears and pain of losing you they can go to the funeral home with dignity and confident assurance that your life insurance plan has the funeral taken care of. Instead of holding their head down in shame trying to figure out how to pay $10,000 or more for your funeral they can hold their head up high. They know that you loved them enough to plan ahead to this future we all will someday face: Death. It comes to all of us, some sooner than others and it doesn’t ask you or your loved ones if you or they are prepared or not. Just a small tweaking of the budget to pay the monthly premium and now your family knows that you have taken care of them. You took the time to think about and plan for their future and make it a little more certain. They can hold their head up in honor and dignity knowing that you were willing to continue providing financial benefits to them after your passing. They feel more stable at at peace even in the midst of their loss.
The decision is yours to make. No one can make it for you. What will you decide? What will your family be faced with when you pass? Will it be dignity or debt and uncertainty? Only you can decide! It is a personal choice we all have to make someday. Make the right choice for your precious family. Call us today; we will serve you and your family with honesty, compassion and our years of experience We can help to provide you the peace of mind that you are leaving your family a legacy of dignity and honor. Call us today: 800-208-4575
