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Life and Health


By September 1, 2010No Comments

For most people, death is not an easy subject. It is uncomfortable thinking about no longer being alive, not seeing one’s children grow up, leaving one’s family — perhaps a husband or wife, children, brothers and sisters, parents, and friends. Yet death is one common factor that binds the entire human family. We might not all be rich and famous, and in fact might be important only to our family and close friends; yet what happens to the rich and famous happens to the not-so-rich and obscure: Eventually we will all die.

It is easy for most people to put aside thoughts of dying as something that happens to other people; or if they think of it happening to them, only think of it as happening some time in the distant future. Maybe that will be your future, but maybe not. In the blink of an eye, you might go from apparently having years of life ahead to being killed in a car accident. Death is not something that happens only to old people, nor only to people after a long illness. No one is invincible.

Although it might be tempting to put off getting Life insurance until you are older, Life insurance is much less expensive when you are younger. Younger people are typically healthier, which usually translates into lower insurance rates. If you buy a Permanent Life insurance policy, the premium rate you sign up to pay at the beginning will stay the same for the life of the policy, even as you get older, and even if your health deteriorates. This is why it is important to get the policy when you are young — the rates are lowest then!

The question is not, “If I die … ” but rather becomes, “When I die … ” When it comes to your financial and familial responsibilities, how would you answer that? When you die, what will happen to your family? What will happen with your debts? Are they prepared to assume your financial responsibilities after your death? Or are you prepared to take care of them even after you die? You might not be able to save up enough money today or even in the near future for you to pay off all of your debts; however, you can buy enough insurance to pay off all your debts, in the event of your death, so that your family will not be burdened by it.

Although you as a person are irreplaceable, your income can be replaced with Life insurance. If yours is the main income in your family, this is vital. However, even if you don’t produce an income, but provide services in your family that would take money to replace (such as caring for young children), having Life insurance would still be wise. Having Life insurance to cover your debts and to take care of those you leave behind is the caring thing to do. Contact one of our qualified insurance professionals today to determine the type and amount of coverage that’s suitable to your unique circumstances.