{"id":72,"date":"2018-06-14T04:06:02","date_gmt":"2018-06-14T04:06:02","guid":{"rendered":"http:\/\/pvainsurancegroup.com\/agent\/bill-hall\/blog\/2018\/06\/14\/6-reasons-people-dont-buy-life-insurance-and-why-theyre-wrong\/"},"modified":"2018-06-14T04:06:06","modified_gmt":"2018-06-14T04:06:06","slug":"6-reasons-people-dont-buy-life-insurance-and-why-theyre-wrong","status":"publish","type":"post","link":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/blog\/2018\/06\/14\/6-reasons-people-dont-buy-life-insurance-and-why-theyre-wrong\/","title":{"rendered":"6 Reasons People Don\u2019t Buy Life Insurance (and Why They\u2019re Wrong)"},"content":{"rendered":"

\"I<\/a><\/p>\n

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Let\u2019s face it<\/strong>. Most people put off buying life insurance for any number of reasons\u2014if they even understand it. Take a look at this list\u2014do any of them sound like you?<\/p>\n<\/div>\n

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1. It\u2019s too expensive.<\/span>\u00a0In the ever-burgeoning budget of a young family, things like day care and car payments and possibly student loans eat up a good chunk of the money each month, and a lot of people think that life insurance is just outside those \u201cnecessities\u201d when money\u2019s tight. But two things: life insurance is often not nearly as expensive as you might think, especially when you can get a good policy for less than the cost of a daily cup of coffee at the local caf\u00e9, and well, if money\u2019s tight now, what if something happens to you?<\/p>\n<\/div>\n

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2. That\u2019s that stuff for babies and old people, right?\u00a0<\/span>People of a certain age remember Ed McMahon telling them their grandparents couldn\u2019t be turned down for any reason and figure that\u2019s the target demographic for life insurance. Or, you might have been offered a small permanent insurance policy for your newborn, attractively presented with a cherubic infant on the envelope. The truth of the matter is that these are very specific insurance products\u2014just as there are many insurance products for adults in their working years.<\/p>\n<\/div>\n

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3. I\u2019m strong and healthy!<\/span>\u00a0You eat right, you stay active, and everyone admires how grounded and centered you are. You passed your last physical with flying colors! That\u2019s GREAT! But you\u2019re neither immortal nor indestructible. It\u2019s not even that something could happen to you \u2013 though it could \u2013 so much as when you\u2019re at your strongest and healthiest, there\u2019s no better time to get a policy to protect your loved ones. If you fall seriously ill or suffer significant injury later, it will make it tougher to get that kind of policy, if any at all.<\/p>\n<\/div>\n

4. I have life insurance through my job.<\/span>\u00a0Many people are offered life insurance as part of their employee benefit coverage \u2013and often, it\u2019s the first time they encounter life insurance and have no idea that a $50,000 policy, or one or two times their salary, isn\u2019t as much as they think it is. It sounds like a lot of money, until you figure that it has to cover some or all the expenses for your loved ones in your absence. Plus, if you leave the job, it\u2019s typically the type of insurance that doesn\u2019t \u201cmove on\u201d with you.<\/div>\n
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5. I don\u2019t have kids.<\/span>\u00a0Sure, kids are a big reason why some people get life insurance. But that\u2019s not the only litmus for needing protection. If there is anyone in your life who would suffer financially from your loss\u2014your spouse or live-in partner, a sibling, even your parents\u2014a life insurance policy goes a long way in making sure everyone\u2019s still OK even if something happens to you.<\/p>\n<\/div>\n

6. Life insurance\u2014it\u2019s on my list \u2026 eventually.<\/span>\u00a0There\u2019s no deadline on life insurance, no mandate from the government on purchasing it. Your parents may have never talked to you about its importance, and it\u2019s certainly not the most invigorating topic for conversation. But don\u2019t let your \u201ceventually\u201d turn into your loved ones\u2019 \u201cif only.\u201d<\/div>\n
If any of this sounds daunting, just know that I am a email or phone call away\u2014at no cost.\u00a0I will help you figure out how much you may need, and also find a policy that fits into your budget.<\/div>\n","protected":false},"excerpt":{"rendered":"

Let\u2019s face it. Most people put off buying life insurance for any number of reasons\u2014if they even understand it. Take a look at this list\u2014do any of them sound like you? 1. It\u2019s too expensive.\u00a0In the ever-burgeoning budget of a young family, things like day care and car payments and possibly student loans eat up […]<\/p>\n","protected":false},"author":1,"featured_media":73,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[3],"tags":[],"_links":{"self":[{"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/posts\/72"}],"collection":[{"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/comments?post=72"}],"version-history":[{"count":1,"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/posts\/72\/revisions"}],"predecessor-version":[{"id":74,"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/posts\/72\/revisions\/74"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/media\/73"}],"wp:attachment":[{"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/media?parent=72"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/categories?post=72"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pvainsurancegroup.com\/agent\/bill-hall\/wp-json\/wp\/v2\/tags?post=72"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}