For many people, the time for tax refund is like Christmas in the spring - that you do not have to hang all the decorations! When you get an additional check in the mail, it is natural to start thinking about all the cool things you can buy.
I must tell you, there is no better time than now FINALLY for life insurance. Of course, I'm a guy life insurance, so I would say. But listen to me. There are four very good reasons why you should at least think about buying now:
1) You have money in your hands Of course, you could buy a few "toys" who will be! fun for a little while, but the wear and break later. Or you can use your money on something that will last ... something that is worth more than you pay for it.
2) Term insurance is cheaper than ever. is shockingly affordable
If you have never hesitated to get life insurance because you fear that it would cost too much, maybe this example will put your mind at ease.
A 40 -Year old man (non-smoking) with average health can get $ 500,000 of coverage for a period of 25 years for only $ 899 / year or $ 78.66 / month . If he has paid for the whole year, would still have $ 1,916 of his tax refund to play with.
3) The younger and healthier you are, the lower your premiums will be. Even if you work on improving your health, the clock is still running. Science has not found a way to stop people from growing old yet. Even healthy people are victims of unexpected accidents and illness. If you're healthy and apply now, you never have to worry about an accident, the diagnosis of diabetes or cancer scare to send your rates through the roof.
4) You know you need. You do not do need shows a new Apple. You do not do need to trade in your 37 "LCD TV to a 40 'LED. Your children need the most recent cell phones.
But if you die, your family need to cover your final expenses. They probably will need to replace your income. They will definitely need time to grieve. Now, you can expect that you live forever, or you have a few million dollars in the bank when you go ... or you can prepare now, just in case the dream scenario does not quite work out.
you get to make that choice
(Here's the cool thing :. with bonuses like in the example above, you can take care of your life insurance and still have of the money left to spend on a toy or two.)
0 Komentar