The Top 3 Myths About Life Insurance

Many consumers have three misconceptions about life insurance. Fortunately, nearly all negative perceptions surrounding life insurance are misguided. Life Insurance is a smart, affordable, and attainable investment for your family’s security and future. Here are the top three misconceptions about life insurance and the facts based on a recent study conducted by LIMRA.

1. It is Too Expensive.

Nearly 80% of Americans misjudge the cost of life insurance. The truth is – while your actual premiums will vary by many factors, such as your age and health, the level of insurance coverage you need, for how long, and your lifestyle – life insurance premiums are affordable and often as low as $1 per day.

2. Life Insurance is Confusing.

Nearly 60% of Americans say that owning life insurance is important. However, 58% of Americans are unsure of what life insurance actually does.  In addition, 52% of Americans put off buying a life insurance policy because they are confused by the level of coverage needed or the product type. Buying life insurance is unique for everyone.  There are different product options to meet your needs. The first step toward finding the right policy for you is to speak with a licensed life insurance agent. Our licensed life insurance agent partners can guide you through the process to find the best policy.

3. I Won’t Qualify For Life Insurance.

25% of Americans believe they don’t qualify for life insurance. Life insurance carriers have developed many products, coverage amounts, and term lengths of coverage to approve as many individuals as possible – regardless of how challenging you may believe your circumstances to be. Carriers now may be able to help even if you have health issues, your family has a history of health issues, or you use tobacco. While your premium levels may vary from the sample rates published if any of these apply to you – it is still a prudent investment to protect your family even if the costs are a little higher. Tell us about your situation and a partner licensed life insurance agent will help you discover how affordable life insurance can be for you.

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