The Tough Talk—Why You Need to Have An Honest Conversation About Life Insurance
We hear the stories far too often: a loved one passes away suddenly and leaves their family struggling with an unexpected financial burden. Talking about mortality is a topic that no one ever wants to deal with, but at Serra Benefits & Insurance Services, we know how important life insurance is for families and their futures. Our team understands that
considering life insurance is often difficult, and also that it can be incredibly confusing. With so many types of life insurance and coverage options out there, how can you find the best balance between your budget and your family’s needs? We are here to help you navigate this complex issue so that you can rest assured that you are protecting your future and your legacy.
When people first approach their search for life insurance, they usually just want to find affordable life insurance quotes. However, selecting a policy is not just about covering burial and/or final expenses. You need to think not only about your debts but how you or a spouse’s death will affect the financial solvency of your family for years to come. For example, how much of your earnings contribute to your family’s overall monthly budget? Would your spouse or children be able to afford your current mortgage and utility bills? What about added expenses, like additional childcare or support services they would need in the event of your death? While these are tough questions, they are the questions that your life insurance agent will help you work through so that you can make an informed decision.
When you are ready to find a life insurance agent, we encourage you to contact the Serra Benefits & Insurance Services team. We can help you evaluate your coverage needs, and provide information as to how the various types of policies fit into your financial planning goals. With our assistance, you can feel confident that your family is protected no matter what.