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Average Term Life Insurance Rates  Clarence Holm

 

“Why should anyone aspire to be a common man, an average man? Do you realize what it means to be average? That means you’re the best of the lousiest and the lousiest of the best. Now if we demand more and more for producing less and less, while the have-not nations encourage and inspire, and indeed require hard work and maximum effort – if we deify the common men while they encourage and reward the uncommon ones – Well, the end result of such a lopsided race as that is too obvious to require elaboration.”

- Paul Harvey

“I just need an average term life policy, something to protect my family in case of an untimely event!” Nobody likes to think about death, nobody wants to spend money on something they really don’t believe is ever going to happen. Independent insurance agents get that, they know it’s not something you want to think about or much less spend a lot of money on. But is that any reason to rely on an internet quote “guaranteeing” you the lowest price for an average policy?

Cost is important, but not as important as building a plan to protect your family in the case of you or your wife’s death.

I’m sure you’ve seen the internet banners proclaiming the “Lowest Price” on term life products or even “maximum coverage” available. In the age of computers it’s easy to put company’s products on a spreadsheet and have it spit out all sorts of “lowest cost” alternatives. But what you really need is someone to analyze your individual family’s needs and goals and help you design a plan that matches those desires.

There are many different types of insurance including “simplified issue term life”, “level term life”, “final expense” or “universal” insurance. Each has their place and can include different benefits that may be a match to your situation. It’s takes a professional to mix and match the countless options available from a myriad of insurance companies.

Some insurance websites offer an average policy type, but are you really just average?

I personally want to be sure my children all attend a good college. I don’t see the needed an Ivy League education, but I do want them to be able to consider some of the local private colleges. I would also like to be sure that if I or my wife died, our home could be paid off. Raising a family alone would be challenging enough, but having to struggle to keep a roof over their head would make the task almost impossible. So in just a very few moments I’ve identified two specific needs that should be addressed.

Once you have a basic understanding of possible needs, you are faced with literally thousands of options (or insuring vehicles) to achieve your goals. Some might want a simple plan allowing them to purchase only bare bones coverage. Others might want to combine their insurance needs with a savings device – whereby you have protection for your family today and still build for a sound retirement tomorrow. Still others might be concerned about retirement and the possibility of a physical infirmity. Independent insurance agents can build a plan that could deal with that risk too.

As Paul Harvey said nobody wants to be stuck with the “best of the lousiest or the lousiest of the best.” What most people want is protection that meets the needs and expectations of your family.

Don’t try to handle your insurance needs (especially those that include your family’s financial future) without first consulting with an independent agent you can trust.

If you have questions - or need some answerers - Call 740-992-6677 or stop in - Insurance Plus   114 Court St. Pomeroy, Ohio 45769
Posted 11:54 AM  View Comments

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