If You Think Life Insurance Is Not for You, Think Again

Living life means different things to different people. But if you are living life to the fullest, you also need to consider the future of your loved ones after you are gone. One way to provide for your family if something happens to you is by purchasing a N.C. life insurance policy. While life insurance might be uncomfortable to think about, it’s important to ask yourself: if something happens to you, will your loved ones be able to continue their lives financially?

One Life to Live

You’ve probably heard a similar story: A father or husband suffers an unexpected heart attack without warning. He may be the sole provider for his family, or perhaps both parents work to support the household, but nobody could have predicted his life would end so abruptly. Now, he has left behind a grieving wife and four children under the age of 12.

When you think of someone having a heart attack, you might picture an older, overweight man who eats poorly, smokes, and is inactive. However, heart attacks and sudden deaths can happen to anyone, regardless of their body weight, health, or lifestyle. If your life were to end suddenly, would your family be able to maintain the same standard of living they have now?

Prepare for Your Loved Ones by Considering the Following:

Having a life insurance policy doesn’t have to be complicated or expensive. By discussing these considerations with your local N.C. independent insurance agent, you can create a life insurance plan that fits your budget and addresses your family’s financial needs. Consider the following:

  • Education Costs (Present/Future): Even if your children aren’t currently attending private school, no education is truly “free.” Factor in the cost of public education, private school expenses, and future college costs for each child.
  • Funeral Expenses: An average funeral can cost up to $10,000. The last thing you want your family to worry about is how to cover this expense while grieving your loss.
  • Current Debt: Before contacting your local N.C. independent insurance agent, document all of your monthly expenses, including your mortgage payment, car payment, auto insurance, utilities, medical bills, and health insurance.
  • Costs to Raise Children: Raising a child today is expensive. Consider extra costs for food, clothing, extracurricular activities, additional furniture, and possibly bigger living arrangements or vehicles to accommodate a growing family.

All of these factors play a significant role in determining how much life insurance you may need to care for your loved ones in the event of your untimely death.

Contemplate Your Life Insurance Policy Today

Death and tragedy don’t discriminate. You should consider a life insurance policy that will help your family continue their lives if yours comes to an end. Most people should secure a life insurance policy, and the team at Paramount Insurance Agency is here to help. Contact us with any questions about a life insurance policy that fits your family’s needs and budget. Call us TODAY at 336-869-3335 to secure the future of your loved ones.

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