Times Have Changed, Maybe Your Life Insurance Has To As Well

 I have been buying life insurance for 40 years.

1. The first round was when my “buddies” sold me what they thought I should buy. 
2. The second round was when I got into the life insurance business and my company told me what was good for me to buy for myself. 
3. The third round was when I had experience and understood the importance of understanding the different options and then shopped the entire marketplace.

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​Whatever life insurance you currently own, you owe it to your loved ones to get it
right.

Here is a list of questions you can ask yourself to quickly assess your current situation and make an informed decision. 

• Your philosophy?

Assume you have a finite amount of money to spend on life insurance each year.
Is it important to you to protect your loved ones?
Is it more important to have less coverage or coverage for a longer period of time?

• What is best for you?

What budget have you allocated to protection planning?
Can you commit to that amount for the entire life of the policy?
Do you want permanent coverage but want to have policy paid by retirement?

• What is best for your family?

What would be the financial impact of them if you were not here anymore?
Do they need more coverage now and less later on?
Do they need this money no matter when you die?

• What is best for your sales agent?

Commissions are generally based on premium. Permanent products are more expensive than term products and produce a higher commission.

• What do you want to do now?

Do you know how much coverage you need?
Do you know how long you need that coverage for?
Are you interested in converting your term to a permanent one day?
Are you interested in selling your policy one day?

• What do you NEED to do?

Research, shop, decide

Howard Wolkowitz is a financial author, educator and fiercely independent life insurance broker.

You can visit LifeInsureAssure.com and go to his quote engine to see for yourself in seconds how inexpensive term life to age 85 is. If you want to speak with Howard, call 954-558-3673 or email him at [email protected]. 
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Stop overpaying for your current life insurance. ​

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