PROTECT THE ONES YOU LOVE
You buy life insurance because it is the best way to protect your loved ones.
It is a financial decision…kind of.
It is an emotional decision…sort of.
It is about love and caring and future…most definitely.
That’s the thing about life insurance.
The idea may be simple, but the reasons behind getting it, cut deep, to our very core, almost to an instinctive level.
At the heart of it, if you are like most people, you do so for six very good reasons...
1. Life insurance is about taking care of loved ones.
It is about meeting responsibilities and keeping promises.
If you own life insurance, it is because you view it from your family's point of view, not your own.
You see life insurance as a tool that protects your spouse
and children from the potentially devastating financial losses that can result if you die prematurely.
2. Life insurance is for the living.
It has nothing to do with you. You know that, should anything happen to you, the life insurance you have purchased is in place to protect and provide financial relief for those who must carry on without you.
It’s about them.
3. Life insurance is an expression of love and caring
Because you care about your family...and you love them...you want to ensure their financial security if you’re suddenly not around to do so.
4. Should you die, the proceeds will help you keep the promises you have made to those people who are important to you.
By protecting their financial future, you’re enabling your loved ones to maintain their lifestyle, if something unexpected should happen to you.
5. Life insurance buys time and options.
Too often, when an income earner dies, survivors are forced to make tough, dramatic decisions—and to do so quickly—at a time when they may not be emotionally in a position to make good choices.
Life insurance gives survivors a chance to adjust over time rather than need to look right away for a downsized home or new job.
Your life insurance gives your family choices by providing the benefits to help pay off debts; to help meet housing payments, and ongoing living expenses; to help fund education for your children or grandchildren; and more.
6. Life insurance provides cash when it’s needed most.
Your life insurance policy can deliver a specified sum of money at the exact time of need. Upon your death, your family can be assured that the amount you have chosen—perhaps hundreds of thousands of dollars; maybe even millions—will be there almost immediately.
And that death benefit is not subject to income tax. For example, a $500,000 policy provides $500,000 in death benefit proceeds.
If you are not completely certain that your coverage is in line with your family’s needs and budget, please contact our expert Insurance Adviser Shaun Nicol email:firstname.lastname@example.org or ph: 06 870 3012 or 0210 391 899 He can talk it through with you over the phone, via email, skype or meet with you in person to help you decide whats best for you and your family.
We're always here to help you make the best decisions based on your individual needs, current situation, and long-term goals. Don’t have an adviser? Call : 06 870 3012 or Click HERE to Talk it through with an expert
Shaun Nicol is a New Zealand Registered Financial Services Provider: FSP272065