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Home > Blog > 3 Kinds of People Who Think They Don't Need Life Insurance But Actually Do
FRIDAY, NOVEMBER 19, 2021

3 Kinds of People Who Think They Don't Need Life Insurance But Actually Do

A lot of people think they don't need life insurance. They assume coverage is unnecessary or would prefer to spend their money in other ways. However, life insurance is a way to financially protect your loved ones and dependents if something unfortunate were to happen to you. It doesn't matter who you are, every adult can benefit from at least some life insurance coverage. Here are three kinds of people who think they don't need life insurance, but actually do. 

I’m a homemaker. Why do I need coverage? 

Every person who has life insurance will provide some form of financial relief to their families and dependents. While not breadwinners, homemakers do provide services that can cost a lot to replace, such as cleaning and daycare. This is why insuring against their loss keeps families financially cushioned if a homemaker should pass on. 

I'm an entrepreneur. It's better to invest my money. 

If you're optimistic and expect to live off your assets early in life, you’re inviting huge risks and financial hardships for your family. Unless your asset accumulation breaks even and gains surpass losses, you’ll still need coverage to protect your spouse and family. 

If your assets were to run dry, are you sure your family and dependents could provide for themselves? You could even leave them debts and failing businesses to deal with. Life insurance helps protect them and ensure that they're not alone financially.  

I'm still in college. I don't need coverage yet. 

The best time to buy life insurance is while you're still in college. That is, while you're still young and in good health. You might not have any dependents now, but life insurance can protect you and your family in other ways. For instance, if something unfortunate were to happen to you, a policy could help cover funeral and final medical costs. Otherwise, your family or guardians might have to pay out of pocket.  

No matter who you are, life insurance helps. While you may not think you need coverage, a little bit can go a long way toward helping your family cope. 

Protect your loved ones for years to come. Call Berger Briggs Insurance at 505-247-0444  for more information on life insurance.
Posted 10:05 AM

Tags: life, insurance, policy, terms, retirement, whole
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