Like an umbrella, life insurance is one of those things that everyone should have for the inevitable rainy day, but far too few people do. Maybe you think it’s something you’ll get around to and you put off purchasing a policy. Or you’re a smoker or have other health issues that make you believe you can’t qualify. Maybe you’re concerned that rates will go up over time or you’ll be dropped.
There are two things you should never do when it comes to life insurance. 1) Wait, knowing the chances of something happening before you get coverage are higher. 2) Presume that you can’t qualify for a policy.
Read on. Here are 10 reasons RIGHT NOW might be the perfect time to enroll in Life Insurance through your association and AMBA.
PEACE OF MIND
Having life insurance means you and your loved ones can prepare for any eventuality. A policy will give a lot of comfort knowing that your family has protection in place should something happen to you.
AFFORDABLE COVERAGE
Many people put off purchasing life insurance because they assume it will be too expensive. The whole life policy from your association and AMBA is much less costly than you might think, especially when you consider how much help having life insurance will be to your family and loved ones.
- YOU’RE PRE-QUALIFIED Whether you have weight issues, smoke, or any other reason, if you’re between 45 and 85, you’re guaranteed acceptance to our policy.
- YOUR PREMIUM WILL ALWAYS STAY THE SAME No matter how many candles you add to your birthday cake, not a single dime will add to your premiums. Your rates are locked in!
- YOU CAN’T BE DROPPED FOR ANY REASON
So long as your premiums are paid, you’re covered. Guaranteed.
FINANCIAL SECURITY FOR YOUR FAMILY
We all need to consider what happens to our loved ones if something unexpected happens, especially if they rely solely on your income. Life insurance can support your loved ones so they won’t be helpless when the bills come around.
BURIAL EXPENSES
A traditional funeral, including a casket and vault, costs about $6,000. Extra expenses like flowers, obituary notices, acknowledgment cards and limousines, can add thousands of dollars more. A whole life policy can help cover these costs.
ESTATE TAXES
When someone passes away, their heirs often face estate and taxes on the assets they inherit. If you worry about your loved ones getting hit with a big tax bill, a life insurance policy can help cover these costs.
HELP COVER UNSETTLED DEBTS
Any outstanding debts you have, whether it’s a mortgage, car loan, or credit card, may become your spouse’s responsibility after you die. Creditors could try to collect from your estate. Life insurance can help your loved ones take care of any lingering financial responsibilities.
BUILD CASH VALUE
A Whole Life policy builds cash value over time. That cash value acts as an extra cushion that you can tap at any time. If you have a financial emergency, this could come in handy.
Plus how easy we make it to join, including a no obligation 60-day return policy, access to purchase your policy online, and more.
Learn more about a Whole Life Policy through your association and AMBA at http://www.AMBAlifeinsurance.com or call 877-290-3173.
