Special Moments, Difficult Discussions
It’s a lovely Sunday morning. You’re at home having a delicious breakfast with your spouse and kids. It’s a special moment when you can relax and forget the stress of everyday life. All you want to do is enjoy the smell of buttered bread, spend time with your family and chat for a while. We don’t know you personally, but we’re pretty sure there’s at least one topic you wouldn’t bring to the table—although you should: death.
There are many reasons why people avoid talking about death, but allow us to give you a piece of advice: Having this tough conversation shows how much you care about your loved ones. Dealing with death requires some preparation and you should start making important decisions while you can. One of them is assessing the necessity of purchasing life insurance. You can think of it as a financial tool that will be a weight off your heirs’ shoulders. Here’s why:
Financial Protection For Loved Ones
Living as a couple is a journey that involves sharing dreams, establishing plans, and making investments. From having kids, to buying a dream house and budgeting for a vacation, everything comes with a price. When you work hard to get a promotion and your spouse gives up a fancy purchase to save money, it’s because you two are looking ahead. These mutual efforts are also an essential way to strengthen your relationship.
However, life isn’t predictable. We know that no one likes to think about this possibility, but what if one of you were to die tomorrow? Your surviving spouse’s income may not be enough to honor commitments and expenses, which could mean a change in living standards and quality of life. Unfortunately, we have to be realistic and give you the bad news: If you have children, an unexpected death would be even more troublesome. In particular, with the lose of income, food, clothes, education, housing, and health costs become a real tangible burden to those left behind.
Purchasing life insurance can give you peace of mind because then you can go to bed everyday knowing that if the worst happens, your family will suffer your loss, but they won’t have to deal with a financial meltdown at such a difficult time.
Someone Needs You
Even if you’re single and don’t have kids, there are still some situations when it’s advisable to purchase life insurance. For instance, if you take care of your aging parents and they rely on your financial assistance, an unexpected death would make them suffer twice. First and foremost, because they are grieving. Second, because they’ll have to reorganize their finances, which is always a painful process.
Don’t let dreams and plans die with you. Making sure your loved ones will be able to continue their lives is a true gesture of love. At Peter Green Insurance, we offer financial planning strategies with the benefit of life insurance and our agents are ready to explain all the details and assist you with choosing the best option to protect those you love. Contact me for a confidential discussion. Call 888-725-7776, send an email.