Reading GoFund.me – On May 21st 2018 I searched Go Fund Me to see how many times the word “Funeral” would show up. I was shocked that the result showed 916,952 times!
Today, July 31st 2018 the result has skyrocket up to 1,529,114. That’s a 67% increase in just 2 short months.
Families are being left devastated and under insured, with no options but to turn to public support for help. Reading area families don’t look forward to pleading for community support. Reading GoFund.me pages are preventable, simply by purchasing life insurance.
There’s many reasons we tend to put off our life insurance. I’ve found the most common reason is the cost. If affordability is an issue for you, I completely understand because I have been there, so I can help you.
Maybe you’re young and this isn’t your concern just yet. But just maybe it’s a conversation we should be having with your parents, who want and need to protect YOU.
I’m easy to work with. Call us today, and I will be happy to shop some companies, find you something that’s affordable, that protects you from needing to set up a Reading GoFund.me page.
Just remember, you can’t put a price on your family. But there’s a price on protecting them. I would greatly appreciate be the opportunity to protect your legacy. Let me know how I can help.
Life insurance is always a good thing to be thinking about. Whether you are getting married, about to have a child or learning of a friend who recently lost a loved one who wasn’t insured, life insurance should be on your mind.
Yes, you would rather spend your money on other things that are way more fun, but insurance should not be ignored when it comes to planning for life.
The key is to have life insurance at Reading lower rates based on your needs. You want to protect those you care about most and you still want to save money, so you have to be smart about how you balance both needs. Ideally, you have insurance, can afford lifestyle items like clothes, gadgets, etc. and live comfortably.
To get Reading lower rates, your lifestyle and health will be a factor. Each life insurance application will ask you a formulaic set of questions designed to determine how much of a risk covering you will present. Based on your answers, the company will set your premium.
As you start to apply for life insurance, here a few things to consider:
Get it NOW!
The younger you are, the more likely you will receive Reading lower rates. The longer you wait, the more it will cost you. If you are young and have no health issues, this is the time to get life insurance. Actuaries set premiums based on how likely you are to pass away while you have a policy in place. Most rates go up and up and up as you get older and are more at risk to get sick and die.
Don’t use tobacco
Smoking or chewing tobacco can cost you more than just $5 a pack, pouch or can. If you are already using tobacco, now would be a great time to quit based on the money you would save in terms of buying tobacco and paying increased premiums on life insurance because of it. In some cases, smoker rates are double to triple those of a non-smoker.
If you have a clean driving record, you have a better shot at a lower premium. It is one thing to have a speeding ticket, but a DUI or DWI could prevent a company from approving coverage. Even if approved, you could pay higher premiums because you are considered at risk due to alcohol use.
Extreme Hobbies matter
Many applications ask if you race cars, fly planes, skydive, rock climb, etc. All these can be considered a liability for coverage. Not doing extreme activities will likely mean lower rates for you.
Being Healthy Matters
We all want to live long, healthy lives. Insurance companies reward healthy behaviors and have a standard for what they deem healthy. If they rate you as healthy, you will receive lower rates. Height, weight, health history are all factors they consider when setting your premium. Again, drug and alcohol use, pre-existing conditions, etc. are all factors. You can probably still get life insurance, but it will likely come at a higher price based on your health.
Keep these factors in mind when considering life insurance coverage for you and your family. Make the decision now to get covered so that you don’t waste any time worrying about what will happen to your family in the event that something happens to you.
The Rhoads Insurance Group offers policies from several different carriers, so you have plenty of options to choose from. We even have guaranteed issue policies that will provide coverage no matter what health conditions you may have. To learn more about our coverage, check out our term life insurance page, or call 267-383-8900. We look forward to helping you protect your family!
Insurance plans have exclusions, limitations, reduction of benefits and terms under which the policy may be continued in force or discontinued. For costs and complete details of the coverage, call your insurance agent.
No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.
He is also licensed for Life, Health and Annuities only in AZ, DE, GA, IN, MN, OH, OK, RI, SC, TN, TX, VA, WI, WV.
Certifications held include those with the Centers for Medicare and Medicaid Services, the Federally-Funded Marketplace, and the American College Foundation.
We uphold the strictest privacy standards, and never share personally identifying information, medical information, or financial information, with individuals outside of our agency, except for the expressly approved purposes of the insurance policies and financial contracts themselves.