Are You Prepared for the What Ifs?

Do You Know the Financial Benefits?

There are so many “what ifs” in life.  What if you have an accident?  What if you are unable to work?  What if someone you love dies?  What if you die?  What if you begin to need help as you get older?

These are things no one likes to think about.  But how many stories have your heard of someone who was not prepared being struck by tragedy?  That tragedy then becomes amplified and the struggle greater. 

The good news is that this is preventable.  And in being proactive, there are often financial benefits for you and your family.  Here’s an example:

Thinking about buying life insurance policies for your kids is almost unthinkable.  But it is necessary to think about it.  And a benefit to having a policy for your kids and then not needing it – because that is every parent’s hope – is that when they grow up, that policy could provide a down payment on a house.  It could give them a launch into adulthood with a leg up.

Another example:

Often when thinking about long-term care insurance, people hesitate because they think the only option is a “use it or lose it” plan.  They don’t want to buy insurance they may never need.  But this is not true!  With today’s hybrid policies, you have three options:

·         Live – And use the benefits

·         Quit – And in some cases get your premium money returned

·         Die – And your beneficiaries receive a death benefit TAX FREE

Love Your Families – Make Sure They Are Covered

Life Happens.  Plan for the Unexpected,

Donna