INDUSTRY INSIGHT
LIFE INSURANCE
SPONSORED CONTENT
SECURE YOUR FAMILY ’ S DREAMS FOR TOMORROW , TODAY !
The simple fact of life is that no one escapes death and none of us know when our time will come . Given this fact , you would think we would do more about the most impactful risk of our lifetime that has a 100 % chance of occurring , and take the time to properly insure against it . But why don ’ t we ? Often , we think it is too complicated , too expensive , we are young and healthy and don ’ t need it , or my favorite : “ I have it through work , we ’ re good .”
For whatever reason , my father did NOT have any when he passed away at 38 from pancreatic cancer , and in the end , left my mother to anguish over how she could make ends meet for a family of three after being a stay-at-home mother for so many years . No one in his life was our family ’ s “ advocate ” for our financial well-being . A simple conversation resulting in even a small amount of life insurance in place at the time of his death could have changed the course of our family ’ s financial future .
Having lived through this , I knew when I retired from the military that I wanted to dedicate my life to helping others better understand their financial situation and help them insure against what can go wrong in life , to acquire the luxury of investing for what can go right . Life insurance represents the foundation of your financial plan . Without it , all your diligent efforts to derive income over a lifetime and invest for a bright financial future full of hopes and dreams for your family could come crashing down in the blink of an eye , as it did for my family .
So where do we start ? You need to seek out an “ advocate ” for your family . Someone who will have the tough conversation with you to fully address your life insurance needs and help you put a strategy in place to give you peace of mind that your financial dreams for your family will live on if something were to happen to you or your spouse . Someone who can help you navigate
the complexities of life insurance types and riders , add-ons , and most importantly , clearly show you how much coverage you need and why . Someone who will partner with you along life ’ s journey to guide you through changes that occur — such as marriage , children , and homeownership — that require us to readdress our insurance needs .
Life insurance planning is a core competency of our agency with three life licensed professionals . We “ lead with life ” because we all embrace what it does for the families we advocate for . We recognize that group term life insurance through your employer is the most prevalent and inexpensive life insurance in place today . The question we ask is , “ Did you buy it based on price , what you could afford , or did you buy based on need ?” Chances are , you purchased it based on price ... A conversation with our team is complimentary and if all we do is help you identify a need to purchase more group term to properly secure your family ’ s financial future , we see that as a win .
Call us today for a life insurance planning conversation to properly address your life insurance needs .
This Industry Insight was written by Bill Kern .
Bill Kern started his financial services career following retirement from the U . S . Navy in 2009 . Since that time , he has dedicated himself to helping people gain perspective and clarity on their overall financial situation . Today , as a State Farm agent , Bill and his team are dedicated to helping their customers with insurance solutions that deliver peace of mind to take on life unscripted .
PETERS TOWNSHIP ❘ OCTOBER / NOVEMBER 2022 31