Learn about life insurance so you can debunk common myths.   

Your family means the world to you. It’s important to be informed about the tools that can help you  protect them. In your overall financial planning an important aspect in keeping your family as secure as possible is life insurance. Life insurance gives your loved ones the resources that they may need to get back on their feet if the unthinkable happens. However, people often do not buy life insurance due to misconceptions about coverage. We’d like to bust these myths about life insurance so that you can be better informed about life insurance and why it is so important.

Myth 1: I’m young and healthy and therefore don’t need life insurance.

Life is unpredictable. While you may think you won’t need life insurance until later on in life, you never know what life will bring. It’s better to be safe and protected and have peace of mind for yourself and your family. If you have dependents, life insurance is a must especially when the children are young too. Additionally, when you purchase life insurance when you’re young and healthy, your premiums tend to be lower, saving you money.

Myth 2: Life insurance is too expensive.

When it comes to purchasing life insurance, people often think that coverage is too expensive especially when you’re young and just starting out.  However, life insurance is more affordable than you may think. There are many different types of policies available at different price points. If price is an issue, you might want to opt for term life insurance. That way you get the coverage that you need without breaking the bank. Another option is whole life. Give us a call and we’d be happy to explain the differences in the two and answer any questions you might have about life insurance!

When it comes to keeping your family safe, you’ll want to review your options and your specific needs with an insurance professional to help you correct any misconceptions you might have about life insurance. Avoid common life insurance myths and invest in the right insurance. Contact us at Randy Jones Insurance Services in Pleasanton, California for assistance finding the right insurance policy for your needs.