“I can’t afford it.” You may not think you can afford life insurance now, but we can customize a plan to fit within your budget. If cost is a concern, think about what would happen to your family if you’re not around. Would they be able to get by without your income a month after you passed? Did you know that 44% of households would feel financial 1 hardship within six months if the primary wage earner died? That’s where life insurance can help, and I can help you find a policy that meets your needs. “I’m covered through my employer.” You may receive life insurance as part of your employee benefit coverage, but you’re most likely under- insured. These policies are typically only one or two times your salary while many experts recommend having at least ten times your current annual income. Plus, if you leave the job, it’s typically the type of insurance that doesn’t “move on” with you. Do you know if your policy will carry on if you leave? “I don’t have children.” Children are a big reason why people get life insurance, but it’s not the only one. Life insurance can provide living benefits that can help offset costs related to long-term or chronic illness care, and you can use a cash value policy to help fund your retirement. You can also use life insurance to leave a legacy, designating loved ones or a charity to receive the policy’s death benefit. “I’m strong and healthy.” You may not think that those with a healthy lifestyle need life insurance, but that is the best time to get coverage. A serious injury or illness could make it more difÏcult for you to get affordable coverage or any coverage at all. Plus, life insurance is more than just providing a death benefit — you can use it to help fund your retirement, help with business planning and much more. "I'm just not interested." I understand you’re not ready. At a minimum let's do a simple needs analysis that you can review later to help you decide when you’re ready. This is easy to do, doesn’t cost you anything, and will arm you with the right information to make a decision when you’re ready. For Financial Professional Use Only. Not for Use With Consumers. 9