There are two ways of thinking when it comes to the death of a loved one; there's the "If" and then there's the "When".
The "If's" tend to avoid talking about death with their loved ones and often treat death as something that "may" happen rather than something that will and is guaranteed to happen. There two things that are certain for each individual in life, everyone will have a birth, and everyone will die, the question is when. Unfortunately no one knows when they're going to die. However, "If's" don't realize no one can plan their death when it happens, no Father or Mother chooses to suddenly pass away and leave their spouse, and their children while they're young, but many times it happens.
The "When's" rely on the opposite end of how the death of a loved one is approached. They know and realize that one day, maybe unexpectabely they are certain to die, and/or bury a loved one. Therefore, the "When's" will take responsible steps to prepare for financial burdens associated with the death of loved one, and themselves, while they're young, and the financial resources available to do so are affordable.
The problem with the "If's" is they tend to deal with the death when its too late; usually, almost always when a loved one has passed away, and the financial burden begin to add on to the already heavy emotional burden left behind, and they can no longer use the resources that were available to fufill those financial needs because the loss has already happened, or they're too old to afford it.
Though sometimes hard to realize, life does go on after the death of a loved one. Immediately after the avarae $15,000 funeral expenese, other expenses such as the Mortgage, Car Loan(s), Food, College Funds, Utility, Debt, College Loans, and etc. will still need to be paid. Unlike the "When's" those who think like the "If's" fail to realize that at least half of the household income is also gone with the death of a spouse. If the loss was a parent, you will still be burden with $15,000 for final expense, and the Estate Taxes left behind. Ask yourself, are you an "If" or a "When"? If you, or your spouse would've died last night, would you or your spouse be able to maintain the standard of living you both have built for your family? Would your children have to face loosing your home because you could no longer afford it? On top of mourning their mom, or their dad, would your children have to change schools, depend on strangers for food? Would their College Education be secure without the income of your spouse. No one hopes to pass away young or early, but what if God forbid it happened to you?
Acting today can protect you and your loved ones from the risk of financial loss. A Life Insurance Policy can secure your family's standard of living. Today there are policies that can be used as an engine to payoff Mortgages, Debts and Loans, provide, protect, and replace a loss of income, provide funding for College, and pay for the for the Final Expanse burden associated with the death of a spouse or a loved one. Talk to your spouse about this important matter, if you already have Life Insurance at work than you're almost on the right track, but most often, the benefits at work are not enough to cover all your needs, and its not guaranteed it'll be available should you loose your job, or if your employer decides to drop the benefit. Decide with your spouse today if you are properly protected, then talk to an Agent at Premier Family Life Insurance. At Premier Family Life we are dedicated in customizing a protection plan based on each family's needs. We educate you on the resources available, and help you make the right decision to protect your loved ones.
You can also take this Survey to start on your personal family evaluation. There's never an obligation to buy or make a payment for our services. We work with the top A.M Best Rated Life Insurance Companies in America to help provide you with the latest and best protection plan available, all at an affordable price depending on your budget. Don't be an "If" thinker when it comes to providing the financial security for your loved ones, but be a "When".
