Don’t buy into these common life insurance misconceptions.

If you are like most adults, then getting life insurance isn’t something that you look forward to.  Perhaps this general disinterest in life insurance is why there are so many misconceptions surrounding this form of coverage.  Unfortunately, buying into these misconceptions can leave you exposed to risks.  To ensure that you have the protection you need, here is the truth behind two of the most common life insurance myths.

Myth 1: “I Don’t Need Life Insurance”

This myth stems directly from people’s unwillingness to think about life insurance until they absolutely have to.  However, life insurance is definitely not something you should put off.  Life insurance is designed to protect your family from all the financial hardships that might accompany your death.  A good life insurance policy could pay for your children’s college tuition, pay off your home mortgage, and make up for your lost income.  When you think of all the benefits, it’s hard to deny the importance of having a life insurance policy.

Myth 2: “I Can’t Afford Life Insurance”

Many people think that life insurance is too expensive for them to even consider.  However, when you break it down, many life insurance policies translate to mere dollars a day.  Additionally, there are other things that you can do to reduce the costs associated with life insurance.  For instance, getting your life insurance policy when you’re young will mean that you can lock in much cheaper rates than you will have access to when you are older.  You can also make sure to take care of your health.  The healthier you are, the lower your life insurance rates will be.  Finally, you should only pay for the coverage you need.  By speaking to an expert, you can determine how much coverage you and your loved ones really need.

Do you need help securing or managing your life insurance coverage?  If so, then turn to the experts at Randy Jones Insurance Services in Pleasanton, California.  Contact us today to get started with your coverage needs.