Valentine's Day is this month. You may be in the group of people who think that it is a holiday created by greeting card companies or you may be in the group that loves the holiday. Either way, it is not a bad time to remind the people you love how much you care. And you can do that by insuring your love.
And yes, using the month of Valentine's Day for promotion may sound cheesy but doesn't this get to the matter of what life insurance is all about?
In the insurance world February has been deemed "Insure Your Love" month. It is a good time to explain to people that life insurance is not just another financial product, but instead it is love insurance. Life insurance is purchased to protect your loved ones from financial struggles if you died.
For those people who have lost a loved one too soon, you know that along with the emotional and physical pain, there is financial loss as well. There is a funeral to pay for, time taken off from work and bills that need to be paid, including medical bills that somehow need to be taken care of. If there are children in the mix, this financial loss can quickly become a financial disaster. Making sure that your family can stay in the home that they know, that their standard of living will not change and that their college funds are still safe is essential.
When you really get down to it, life insurance isn't for the person who is covered, but to pay a benefit to those loved ones. And if you love your family, you will make sure that after you are gone they can keep moving forward with their lives.
We know that people want to do the right thing by their family, but sometimes we put off things that are important. No one wants to add add another monthly bill, but when life insurance should be a priority.
And it isn't just about buying a policy, but making sure you have enough coverage. When an insured person dies, his or her spouse, who is typically the beneficiary, will ask a very important question: Will we be okay? What do you want your agent to say?
Remember that life insurance is customizable, meaning that it can be tailored to your needs and budget. Whether you are purchasing whole life, term life or universal life insurance, you are making sure that your family is taken care of. And it can be much cheaper than you think.
With all of that in mind we have made it as easy as possible. We have added a quoting tool to our website (which is conveniently located in the upper right corner of this blog). There you can find coverage that fits your budget and your family's needs. If you like what you see or have a question, drop us a note and we will assist you.
With the Covid pandemic going on, people are concerned more than ever about their future. And along with that means getting coverage in a safe and efficient manner. You can set a phone appointment with us and we offer non-medical policies. Let us help you "insure your love" safely and be sure to look us up on Facebook.
In the meantime, please stay healthy!
Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. And please subscribe to this blog!