{"id":345,"date":"2018-08-31T15:21:43","date_gmt":"2018-08-31T15:21:43","guid":{"rendered":"http:\/\/www.allins.com\/blog\/?p=345"},"modified":"2018-10-23T03:55:03","modified_gmt":"2018-10-23T09:55:03","slug":"life-insurance","status":"publish","type":"post","link":"https:\/\/www.allins.com\/blog\/life-insurance\/","title":{"rendered":"Life Insurance"},"content":{"rendered":"

Do I actually need life insurance?<\/span><\/strong><\/p>\n

It\u2019s Life Insurance Awareness Month!<\/em><\/span> We\u2019re raising awareness here and we want to help you with ALL of your insurance needs.\"\" <\/span><\/p>\n

Let\u2019s face it, society buys insurance for their bodies, homes, vehicles, recreational toys and even their animals but hesitate to buy life insurance to protect their family\u2019s future.\u00a0 Why is that?\u00a0 Life insurance is one of the greatest gifts you can ever give your family.\u00a0 <\/em>71% of people say they need life insurance yet only 59% have a policy.\u00a0 <\/span><\/p>\n

Many people say, \u201cI have a policy through work.\u201d\u00a0 If your employer provides you with a life insurance policy, that is a wonderful benefit however, what happens when you leave that job or (heaven forbid) lose that job?\u00a0 You also lose that policy.\u00a0 Purchasing your own policy is best so no matter what obstacles life throws at you, your life insurance policy will remain intact and you will have the comfort and peace of knowing that your family is protected in event of an accident. \u00a0\u00a0<\/span><\/p>\n

So why are people so hesitant about purchasing life insurance?\u00a0 <\/span><\/p>\n

1.\u00a0It\u2019s too expensive.<\/span><\/strong>\u00a0 <\/span>Not true, it is too expensive to not have life insurance.\u00a0 If you are proactive and purchase a policy in your 20\u2019s, 30\u2019s or 40\u2019s you will pay far less and will be able to lock in your low price for up to 30 years.\u00a0 If you wait until you are in your 50\u2019s and 60\u2019s, it will certainly cost you more.\u00a0 See the sample rates below:<\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n
\n

Age<\/span><\/strong><\/p>\n<\/td>\n

\n

Gender<\/span><\/strong><\/span><\/p>\n<\/td>\n

\n

$250,000; 30 year term policy<\/span><\/strong><\/p>\n<\/td>\n<\/tr>\n

\n

25<\/span><\/p>\n<\/td>\n

\n

Male<\/span><\/p>\n<\/td>\n

\n

$22.00\/month<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

25<\/span><\/p>\n<\/td>\n

\n

Female<\/span><\/p>\n<\/td>\n

\n

$18.00\/month<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

35<\/span><\/p>\n<\/td>\n

\n

Male<\/span><\/p>\n<\/td>\n

\n

$26.00\/month<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

35<\/span><\/p>\n<\/td>\n

\n

Female<\/span><\/p>\n<\/td>\n

\n

$22.00\/month<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

45<\/span><\/p>\n<\/td>\n

\n

Male<\/span><\/p>\n<\/td>\n

\n

$57.00\/month<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

45<\/span><\/p>\n<\/td>\n

\n

Female<\/span><\/p>\n<\/td>\n

\n

$45.00\/month<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

55<\/span><\/p>\n<\/td>\n

\n

Male<\/span><\/p>\n<\/td>\n

\n

$155.00\/month<\/span><\/p>\n<\/td>\n<\/tr>\n

\n

55<\/span><\/p>\n<\/td>\n

\n

Female<\/span><\/p>\n<\/td>\n

\n

$109.00\/month<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

\u00a0** All rates are subject to underwriting approval<\/em><\/p>\n

\u00a0<\/em>** Preferred Non-smoking rates shown above<\/em><\/p>\n

\u00a0<\/span><\/p>\n

2.\u00a0I don\u2019t want to have a medical exam<\/span><\/strong>.\u00a0 <\/span>The sooner you buy life insurance the more likely it is that you will not have a medical exam.\u00a0 Technology has improved in the world of insurance underwriting and many applicants are able to secure life insurance without having to submit to a medical exam.\u00a0 If you do need to have a medical exam, the exam is done in the comfort of your own home and is not invasive.\u00a0 They take your weight, a small amount of blood, a urine sample and take your blood pressure.\u00a0 The process is fast and no charge to the customer.\u00a0 <\/span><\/p>\n

Those are the top two reasons why people wait to purchase life insurance.\u00a0 Hopefully we have demonstrated that it is not in your best interest to wait.\u00a0 You never know what the future holds.\u00a0 It is better to be 5 years early purchasing your life insurance policy, than 5 seconds too late.\u00a0\u00a0 <\/span><\/p>\n

\u00a0<\/span>Give Chris, our life insurance specialist, a call today for your free no obligation quote.\u00a0 616-897-1515 x 119<\/span><\/strong><\/p>\n

\"Family\"<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

Do I actually need life insurance? It\u2019s Life Insurance Awareness Month! We\u2019re raising awareness here and we want to help you with ALL of your insurance needs. Let\u2019s face it, society buys insurance for their bodies, homes, vehicles, recreational toys and even their animals but hesitate to buy life insurance to protect their family\u2019s future.\u00a0 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-345","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts\/345","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/comments?post=345"}],"version-history":[{"count":3,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts\/345\/revisions"}],"predecessor-version":[{"id":500,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/posts\/345\/revisions\/500"}],"wp:attachment":[{"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/media?parent=345"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/categories?post=345"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.allins.com\/blog\/wp-json\/wp\/v2\/tags?post=345"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}