Shopping Cart
Your Cart is Empty
Quantity:
Subtotal
Taxes
Shipping
Total
There was an error with PayPalClick here to try again
CelebrateThank you for your business!You should be receiving an order confirmation from Paypal shortly.Exit Shopping Cart

Becker & Associates

Blog

Blog

Why Should I buy Life Insurance?

Posted on July 29, 2015 at 2:20 PM

The reasons you or ANYONE, single or married, young or middle aged..should buy Life Insurance are many!

If you're young, single and healthy - There is no better time to buy Life Insurance!  You will be getting the best rates (depending on the product, most will give you level premiums that will never go up during the entire lifetime of the policy) based on age.  Also, you are probably in the best health of your lifetime which also equates to getting the best rates and you can lock these rates in forever!  You can also add things like a Long Term Care rider which will give you the money you need if/when you should need it.  Go ahead, get a proposal for a stand alone Lont term Care policy.  Yes, the policy for Long Term Care will be more comprehensive, spelling out the exact amount per day you will be getting and for how long, etc.  However, once you pay the premium for LTC policy, if you do not ever use it you will not get a penny back...it's water under the bridge.  In an interest earning Life Insurance plicy, the cost of this rider can be helped along by the interst earned on your Life Policy.  Whatever you purchase should be for the long term.  There are riders that allow for purchasing more at a later date regardless of any health conditions that may arise during life, there are riders that can cover your Long term Care needs too!

If you are married or plan to be married and have kids one day, you NEED it!  Do just one thing....google around for the cost of a full time nanny in your area.  When considering "howmuch"life insurance you need, I always ask each partner to consider their partners "worth".  Not how much they have in assets,but how much would the loss of your partner impact your life?  How much would it cost to keep the household running smoothly without your partner?  How much income would be lost if that partner is working?  how much to replace their contribution to the home like taking care of the children, keeping the house clean, making the meals, doing the laundry, managing the pets, making sure the kids getto their activities, etc, etc.  There are TONS of reasons to have Life Insurance

We must also consider final expenses, debt, taxes.  Just close your eyes and imagine that your life partner is gone.  What is YOUR plan?

Many people think the partner or spouse who "stays home" has no "worth".  This is so wrong!  If you add up the cost of having paid help come in to do all the things your "homemaker" spouse/partner does, I bet it would take near or over $100K per year to replace!  The next thought is "How may years will I gone like this, alone and needing help?".  This answer may vary, but the minimum you should think about is the time  it would take to get your kids raised, educated and out of the house on their own.

Categories: Life,Death and Illness & Injuries Happen, Be Ready!, Life Insurance-Long Term Care included! Any Age

Post a Comment

Oops!

Oops, you forgot something.

Oops!

The words you entered did not match the given text. Please try again.

27752 Comments

Reply palm angels outlet
9:24 PM on December 8, 2022 
I have to express my appreciation for your kindness giving support to men who really need guidance on this important subject. Your real dedication to passing the solution around had been particularly productive and have without exception helped guys and women like me to reach their pursuits. This warm and helpful help denotes a lot a person like me and additionally to my peers. Warm regards; from everyone of us.
palm angels outlet http://www.palmangels.us.com
Reply bapesta shoes
9:24 PM on December 8, 2022 
Thank you a lot for giving everyone an extraordinarily special opportunity to discover important secrets from this site. It's usually very kind and as well , jam-packed with a great time for me and my office acquaintances to search your blog nearly 3 times a week to find out the new issues you will have. Not to mention, I'm so certainly amazed concerning the perfect ideas served by you. Selected 4 facts in this post are completely the best we have all had.
bapesta shoes http://www.bape-stas.com
Reply cheap jordans
9:23 PM on December 8, 2022 
I in addition to my friends came looking at the excellent secrets and techniques found on your web blog then immediately I got a horrible suspicion I never expressed respect to the site owner for those techniques. The men had been so happy to study them and have clearly been enjoying these things. Thanks for actually being well helpful as well as for choosing this form of ideal subjects most people are really wanting to be informed on. Our own honest apologies for not expressing gratitude to earlier.
cheap jordans http://www.cheapjordanss.us.com
Reply yeezy boost 350 v2
4:39 AM on December 8, 2022 
I simply desired to thank you very much again. I do not know what I would've used in the absence of those creative concepts provided by you relating to that subject matter. It previously was an absolute frightening concern for me personally, however , discovering a specialised manner you handled the issue made me to jump for joy. I am grateful for this guidance and then expect you are aware of a great job you have been accomplishing instructing most people via a web site. Probably you've never got to know any of us.
yeezy boost 350 v2 http://www.yeezy-shoes.us.org
Reply jordan
6:20 PM on December 7, 2022 
I want to show thanks to the writer just for bailing me out of this crisis. Right after browsing through the world-wide-web and seeing ideas that were not powerful, I assumed my entire life was well over. Existing minus the approaches to the issues you have solved as a result of your entire post is a serious case, and ones that might have adversely affected my career if I hadn't noticed your website. Your own personal skills and kindness in handling a lot of things was excellent. I am not sure what I would've done if I hadn't discovered such a solution like this. I can at this point look ahead to my future. Thanks for your time very much for your specialized and amazing guide. I won't be reluctant to refer your web page to anybody who wants and needs tips on this subject matter.
jordan http://www.cheapjordanshoes.us.com
Reply golden goose shoes
10:00 PM on December 6, 2022 
I precisely had to say thanks yet again. I'm not certain the things I would have worked on without the ideas discussed by you about my subject matter. Entirely was a very terrifying situation in my position, however , witnessing your well-written way you solved the issue took me to jump for delight. I am thankful for this support and in addition trust you find out what an amazing job you happen to be carrying out instructing others via your blog post. Most probably you haven't met all of us.
golden goose shoes http://www.goldengooseshoes.us.org
Reply goyard bag
9:59 PM on December 6, 2022 
I simply wanted to thank you so much once again. I am not sure the things I would have worked on in the absence of the actual advice shared by you relating to my field. It seemed to be a real terrifying condition in my circumstances, however , discovering the very specialised approach you dealt with the issue forced me to weep for fulfillment. Now i am happier for this help and thus hope that you recognize what a powerful job your are accomplishing educating many others via a web site. Probably you have never got to know any of us.
goyard bag http://www.goyardbags.us.com
Reply off white
7:12 AM on December 6, 2022 
Thank you so much for providing individuals with an exceptionally superb chance to read from this web site. It really is so ideal plus full of fun for me and my office co-workers to search your site on the least 3 times in 7 days to find out the new guidance you have. And definitely, we're certainly fascinated for the dazzling secrets you give. Selected 1 facts in this post are without a doubt the most efficient we've had.
off white https://www.offwhitesoutlet.com
Reply jordan shoes
7:11 AM on December 6, 2022 
I together with my buddies happened to be studying the nice thoughts located on your web blog and immediately came up with a terrible feeling I had not expressed respect to the site owner for those techniques. The young boys had been consequently excited to learn all of them and have quite simply been enjoying those things. Appreciate your being quite considerate and also for opting for certain awesome things millions of individuals are really eager to be informed on. My personal honest apologies for not expressing appreciation to you sooner.
jordan shoes http://www.shoesjordan.us.com
Reply supreme
7:11 AM on December 6, 2022 
I am also writing to make you understand what a amazing experience our daughter went through viewing your site. She mastered several details, not to mention how it is like to possess a very effective helping nature to get many others clearly thoroughly grasp a number of tricky subject areas. You really exceeded people's desires. I appreciate you for coming up with these good, safe, educational and easy tips about your topic to Tanya.
supreme http://www.supreme-clothing.us.org
Reply curry 7
7:10 AM on December 6, 2022 
I want to show my gratitude for your kindness for men and women that have the need for assistance with that area of interest. Your real dedication to getting the solution all through appears to be extraordinarily invaluable and have allowed those just like me to attain their aims. The invaluable guideline entails so much to me and especially to my mates. Thanks a ton; from each one of us.
curry 7 http://www.curry-7.com
Reply off white shoes
6:37 PM on December 5, 2022 
I just wanted to post a quick note so as to appreciate you for those great hints you are showing here. My particularly long internet search has at the end been paid with beneficial knowledge to exchange with my partners. I 'd repeat that we readers actually are definitely endowed to be in a fantastic community with very many lovely professionals with interesting hints. I feel pretty fortunate to have come across your website and look forward to really more excellent times reading here. Thank you once again for everything.
off white shoes http://www.offwhiteoutlet.us.org
Reply jordan 12
6:37 PM on December 5, 2022 
I together with my buddies have already been looking through the best secrets and techniques found on your web page and immediately I had an awful feeling I never thanked the website owner for those secrets. The ladies are already certainly excited to see all of them and have now in reality been having fun with those things. We appreciate you being quite accommodating and then for getting these kinds of amazing guides millions of individuals are really needing to be aware of. My personal sincere regret for not expressing appreciation to you sooner.
jordan 12 http://www.jordan12.us.com
Reply yeezy
6:37 PM on December 5, 2022 
My husband and i have been satisfied when Edward could do his web research through your precious recommendations he got using your blog. It's not at all simplistic just to happen to be handing out tricks that many people might have been selling. Therefore we figure out we have the blog owner to be grateful to for that. The specific illustrations you've made, the easy site menu, the relationships you can aid to create - it's all terrific, and it's really facilitating our son and us reckon that this situation is enjoyable, which is certainly exceedingly indispensable. Thanks for the whole lot!
yeezy http://www.yeezysshoes.us
Reply supreme clothing
6:35 PM on December 5, 2022 
I simply wanted to thank you so much all over again. I'm not certain the things that I might have handled without these advice contributed by you relating to such a industry. This has been the troublesome difficulty in my circumstances, nevertheless coming across the specialized manner you treated that forced me to jump for joy. I'm happier for the guidance and as well , hope that you find out what a powerful job that you're getting into training people through your webpage. I am sure you haven't come across all of us.
supreme clothing http://www.supremes-clothing.com
Reply golden goose sale
2:09 PM on December 5, 2022 
I and my friends ended up examining the excellent strategies on your site then before long came up with an awful suspicion I had not expressed respect to the site owner for them. All the young boys appeared to be consequently stimulated to study them and already have absolutely been taking pleasure in these things. Thanks for being simply kind and then for having variety of superb things most people are really wanting to know about. Our honest apologies for not expressing appreciation to you sooner.
golden goose sale http://www.goldengoosessale.com
Reply yeezy 500
2:09 PM on December 5, 2022 
I together with my guys have been taking note of the good tricks on the website and unexpectedly came up with a terrible suspicion I had not expressed respect to the web blog owner for those strategies. All the women were for that reason stimulated to read all of them and now have in reality been taking advantage of them. Many thanks for actually being simply kind and for figuring out this kind of perfect issues millions of individuals are really wanting to know about. My honest regret for not expressing appreciation to you sooner.
yeezy 500 http://www.yeezy-500.us.com
Reply hermes
2:09 PM on December 5, 2022 
My spouse and i ended up being joyous when Raymond could deal with his analysis out of the ideas he was given in your blog. It's not at all simplistic to just happen to be giving freely guidelines which a number of people have been making money from. And now we do know we've got the blog owner to be grateful to for this. The main illustrations you've made, the simple blog menu, the relationships you can make it possible to foster - it's everything awesome, and it's helping our son and our family imagine that that subject matter is enjoyable, which is unbelievably fundamental. Thank you for the whole lot!
hermes http://www.hermes-outlet.us.org
Reply supreme
2:09 PM on December 5, 2022 
I and also my pals were examining the great suggestions from your web page and instantly got a terrible suspicion I never thanked the web blog owner for those strategies. All the women ended up totally joyful to study all of them and have truly been taking advantage of those things. We appreciate you actually being really thoughtful and for finding this form of brilliant issues most people are really desperate to be aware of. My personal honest apologies for not saying thanks to sooner.
supreme http://www.supremesonline.com
Reply hermes belt
2:09 PM on December 5, 2022 
I want to convey my appreciation for your kind-heartedness supporting persons that must have assistance with this particular concept. Your very own commitment to getting the solution across came to be exceedingly helpful and has usually empowered regular people just like me to get to their aims. Your invaluable suggestions means this much to me and even further to my colleagues. Best wishes; from each one of us.
hermes belt http://www.hermesbelts.us.org