Do We Have to Talk About Insurance?

June 9, 2021 - Published by IAG Wealth Partners

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life preserver

A few weeks ago, I saw a meme on Facebook asking about a subject you could talk about for 30 minutes that you never imagined yourself knowing much about. Strangely enough, the topic of insurance was the first thing that came to my mind. Seriously.  If you asked me what I wanted to be when I grew up, it would never have involved insurance, so to be writing about it today is really weird.

In-sur-ance – that three-syllable word that no one really enjoys talking about. Of course, depending on where you grew up will determine which syllable receives the greatest attention. That’s neither here nor there. The point is, insurance is a subject that, in my thirteen years of serving people in this marketplace, I can’t recall one person coming to me saying, “I just love insurance, and can’t wait for you to tell me all about it!”

My specialty is in life, long term care, and disability insurance. Most everyone reading this likely has home, auto, and health insurance, maybe some life insurance, but regardless of what you have, in your mind it is simply a necessary evil that you pay money for every year, hoping you never need it, but glad to have it if you do.

So, let’s talk about life insurance. Why do you have it? Why do you need it? Very simply, it’s to protect your loved ones, the people you care the most about; your spouse, your children, your grandchildren, or, if you’re a business owner, your employees.

None of us can know when we will breathe our last breath, and you’re right, we really don’t like to talk about it. Tough topics are hard to talk about, but when it comes to making sure that the people we love are taken care of when we’re no longer alive and vertical (in the words of Scott Heins) is and should be a top priority.

How do you know how much you need, or what you need? It all just starts with a conversation with me. You already have insurance? Great! Are you sure what you have is what you need? How long ago did you get it? Has your life changed since then? I love to review existing coverage to make sure it’s still right for you in this time of your life.

One thing insurance of any kind is not – it is not a set it and forget it proposition. Life happens, so please make sure you are properly and adequately insured.

If you made it this far, sadly I haven’t even touched on long term care or disability insurance. Don’t even get me started on long term care insurance – I can talk about that for hours! Just kidding, but that’s a topic for another day.

 

 

Quote of the week: Life insurance is the greatest proof of love that we can leave our loved ones. Tiago Melo

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