Are you confused by Life Insurance? Can’t decide which plan to go with? Or maybe you think you just don’t need it? Well here’s a Hint: You’re thinking about it all wrong.
As an agent, I actually get angry when I hear about people who have children, but they have no, or very little, life insurance. I’m angry at the person, I’m judging them hardcore, and I think:
“You’re a #$!# adult, with people depending on you, and you don’t have the $&%# sense to make sure that if you die they’ll be okay?! You work your butt off, you work that way to provide for them. So if you’re not there to provide for them, then what happens to them?”
It makes me angry that people learn things the hard way, when they don’t have to. They get a mortgage, take care of their family, and think that they don’t need life insurance. Then, one day, something happens – they die, or can’t work anymore, or have out-of-control medical bills. These people come to me and ask for help, when it’s too late. Their only resort then is a damn GoFundMe campaign!!
And don’t over-complicate it. If you die, do you know what the ONLY question your spouse will ask your insurance agent is? Your spouse won’t ask whether it is Term or Permanent Life Insurance. The only question they will ask is, “How much is it?”
As an agent, I don’t even care whether you get the life insurance with me or not. If you’re not asking this simple question, “Do I have enough Life Insurance,” then you’re setting your family up for financial loss.