Hi, I’m Karl. I’m an insurance agent. I’m going to be blunt: You need life insurance. I know all the excuses. Here, let me prove it.
1. You’re too young to worry about it. I get that thinking about life insurance means thinking about your demise. But here’s the reality: You’re going to die. We’re all going to die. So, wouldn’t it be better to shove off this mortal coil knowing our family isn’t stuck with the bill?
2. It’s too expensive. How much did you pay for your clothes? How about your car? Your television? Were they too expensive?
3. You’re in great shape. People in great shape die. Accidents happen.
4. You don’t have a family. Oh, say that with your mother in the room. I dare you. I double dog dare you.
5. You eat right and exercise. You’re not dying anytime soon. I hope you’re right, but, according to statistics, 1.5 million Americans suffer a heart attack each year. 500,000 of these people die. Do you really think all 500,000 of those people died from too many Philly Cheesesteaks?
6. If you die, just stick you in the ground. How much can a funeral cost? Uh, A LOT? According to the National Funeral Directors Association, the average funeral costs about $9,000. Without life insurance, your family members would be forced to foot that bill. I supposed they could sell your suit, your watch and your shoes, but that’s not going to cover all of it.
7. You get life insurance through your job. Okay, that’s great, but what happens when you no longer work for that employer?
8. You’ve got money in the bank that will cover it. When you die, that money is part of your estate. Which means your family will have to pay estate taxes, which will decrease the amount of money you have. A lot.
9. You’ll buy it later. Okay, fine. But make sure you look both ways before crossing the street, have non-slip ducks on the bathtub floor, always wear you seatbelt, and that you are never in the wrong place, at the wrong time.
10. You just haven’t gotten around to it. Well, you might want to; otherwise, “He didn’t get around to it” will look great on your grave marker. Provided your family can afford a grave marker…
I’ve been in this business a long time. I’ve heard all the excuses. But the bottom line is, life insurance is cheap, dying is not. Also, this isn’t about you. It’s about those you leave behind. The ones who, when faced with the question, “But didn’t he have life insurance?” will be forced to shake their heads and curse you under their breath. Maybe even hold a séance, just to bring you back to yell at you. Sounds fun, huh?
So do us all a favor and cough up the dough for some life insurance. It won’t kill you!