So, why should I care about life insurance?
Accidents happen, and life is always throwing curveballs our way. We always think “that won’t happen to me”, until it does.
We get it, and we know what you’re thinking… “I’m young, or I’m healthy, or I’m not healthy enough, or my work covers it, or I don’t have any dependents, why do I need life insurance?” There are so many reasons many of us think “I don’t need it” – however a lot of those reasons are actually misconceptions…
But what about that young family that you’re starting with your partner, or you’re expecting a little one soon? You and your family’s future and legacy is much more important than a dollar sign. We’re here to squash those misconceptions and give you our expertise and Knowledge that can protect your family today, and for years to come.
“I’m young, I don’t need life insurance yet”
Age really doesn’t determine why you should or shouldn’t invest in your life and future. Not only are annual payments and premiums for life insurance less expensive when you’re younger, but they also give you the protection you may need much earlier… We’ve all had it cross our minds – “what if something happens to me, will my family be okay?”
Although you may be paying a premium for more years, a lower premium is always easier to budget for. You’re essentially saving your future self money, and protecting yourself and your loved ones in the present and future.
“I’m healthy and I’ve heard it’s expensive, why do I need it?”
We get it, life insurance can be expensive, so why consider it when you are low risk and in good health? Because life still happens, and accidents still happen.
Most of the time, your estimated price of life insurance is a lot more daunting than the actual price. At Paramount, we conduct a full assessment to ensure that we find a policy that fits your situation and needs; so more often than not you are left with a much smaller bill than you expected! And really, you can’t put a price on peace of mind.
“I’m not as healthy as I used to be, what if I don’t qualify anymore?”
To us, life insurance is about making sure you and your family are protected when it matters the very most. There are a range of insurance companies that write policies for a wide range of health conditions. Although life insurance policies are higher in this scenario, there is still a possibility that they can still be written. That is why we are here – to help find a policy that works for you and your family.
“My employee benefits cover life insurance, isn’t that enough?”
While some are lucky enough to have life insurance provided by their employer, it may not be sufficient for you; and you may find out when you need it the most.
You may leave your job, or lose it and find your health deteriortating before you have a chance to get affordable life insurance that suits you and your family’s needs. None of us want to leave our family high and dry – especially when we are no longer here.
“I’m single and have no dependents, what is the point of life insurance right now?”
Just because you are single now, doesn’t mean you will always be, AND it doesn’t mean that you won’t be a financial burden to others if something does happen to you. Like we’ve said before, it may be more affordable and logical to look into life insurance now, before it’s too late.
Life can change in an instant, why not take care of our families before it’s too late…