Can You Afford to Procrastinate?

My Fiancé and I had just started our insurance business and we were scraping to make ends meet, but because of our chosen profession we felt it was very important that we get our own term life insurance policies. We had no idea at the time how glad we would become that we made that decision and acted on it as fast as we did.

You see when we talk to potential customers we often hear “I/we can not afford it right now” and we do understand what a tight budget is but, can you really afford to keep putting off the decision to make the purchase of life insurance? If you have thought about life insurance enough to get a quote then there must be something or someone you are trying to protect by your on timely death. This is what you must keep in mind after you get your quote…What is more important to you, your kids or the 3 or 4 soda pops you drink every day? The price of insurance really is not that bad but people always want to make excuses for why they can not afford it at this time.

These are the very same people that will call us after something happens that makes them either “rated” such as diabetes or high blood pressure or a whole list of other things. If they are lucky, they will still be insurable. There are certain things that can make you completely “uninsurable” such as a heart attack or stroke or a whole list of other things including cancer.

When I started this story I had made mention of the fact that my fiancé and I were so very glad that even though we could not afford life insurance at the time; that we had purchased it anyway. You see when we started this business we knew we would have to go without health insurance and that was a risk we were willing to take because we were both very active and did not smoke. Well about a year after we had purchased our life insurance my fiancé had received the news that devastated both of us and our families. She was diagnosed with breast cancer. Now I am very happy to report that she handled everything fantastic and only has one more surgery to go before she will be done with them, but the point I wanted to make is that she has become “uninsurable” for a period of years and will most likely always be “rated” because of this event. You can never tell what tomorrow will bring to your doorstep so if you care enough about someone to get a life insurance quote…..please act on it!


About the Author:
Allen Henderson & Kim Kosor
Licensed Insurance agents that believe people should be treated with respect.
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