Posted on: Sunday, September 25th, 2011

In honor of life insurance awareness month, LifeHappens.org has listed a check-up checklist for those who are rethinking their need for coverage.  If you have previously gone without life insurance coverage, it’s time to sit down and take a closer look at what would happen if you were to pass away.  How would your loved ones manage?  How would your bills be paid?  The checklist helps you ask all of the important questions.

Step 1 discusses education on life insurance in general.  Review reputable information that can give you insight into the buying process and what to look for when shopping for term or whole life insurance quotes.  Be aware of key terms and concepts so that you make the best possible decision.  Step 2 talks about what questions to ask yourself and your insurer.  This includes knowing how much coverage you will need based on your individual situation.  You can use the site’s online Life Insurance Needs Calculator to get a better understanding of the amount that will suit your situation.

Step 3 urges consumers to meet with a professional for advice and guidance.  There is a wealth of information all over the Internet and through insurers, but the best advice will come from a professional who can evaluate your needs and talk one on one about your desires.  An independent third party can steer you in the right direction as you sift through the hundreds of products out on the market today.  A good life insurance expert will take the time to evaluate your personal needs and take into consideration your financial position.  They will know what fees to avoid and what benefits are crucial to your financial safety.

It’s important not to gamble with your family’s financial future.  Life insurance can be very affordable and offer you the peace of mind necessary to fully enjoy life.  Take charge of your life insurance needs this month as we recognize September as life insurance awareness month.

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