People often say “I don’t need life insurance.” They are correct … They don’t need the insurance.

It’s not about them. It’s about the loved ones that depend on them.

Statistically, most people do need life insurance, especially those who are younger and who can’t self-insure their financial risks yet. It is important to ask yourself these questions: Could your family stay in your home if you weren’t around providing an income? Could your loved ones continue with their same life style? Would your loved ones be burdened with debt? Could your children’s education be funded?

IF SOMEONE RELIES ON YOU, YOU NEED LIFE INSURANCE

Life Insurance protection is a given if you are a spouse and/or a parent of dependent children. You may also need life insurance if you are someone’s life partner, are providing care for dependent parents or an adult sibling. In a small business, insurance needs should be evaluated for the business owner, partner or key employees.

Families often assume if an adult member does not bring home an income, they do not need to be insured. In reality, if they are providing child care, maintaining household responsibilities, or are responsible for any other support of the family wellbeing they also need to have their role protected.

LIFE INSURANCE CAN BE SURPRISINGLY INEXPENSIVE

Consumers often think life insurance is more expensive than it really is. In fact, the average term life policy can be as low as $30.00 a month…compared to the average monthly cost of $64.00 for cable TV.

HAVE YOUR CURRENT LIFE INSURANCE REVIEWED

If you already have life insurance, when was the last time you had it re-evaluated? Life Insurance premiums have dropped over the last several years. At Kuderer Financial, we have reviewed client’s policies and found that many could purchase a replacement policy with similar coverage at premiums lower than their current policy, and sometimes with more coverage.

Contact Dan to setup a free insurance analysis to make sure your family’s financial security is protected at a current market value.