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Wetzel Insurance Agency Blog

All You Ever Wanted to Know About Insurance

Don't Avoid the Unexpected

Let’s talk about life insurance. I know, I know. It’s not something that anyone ever really wants to talk about. It’s not interesting and it doesn’t bring any “fun” benefits. However, when you talk to an expert about insurance, you might realize that it is something that can be truly beneficial. You want life insurance for several reasons., because it guarantees that your family, business, dependents, and legacy have protection.


You never know what could happen. Sure, we can all attempt to predict the future. We can take preventative measures like when we change the oil on our car or going for a checkup at the doctor’s office. Accidents still happen though. We can’t prepare for every outcome there is. You could die suddenly in an accident or from natural causes, which might make it difficult to sustain the standard of living that your family have grown so accustomed to over the years. Life insurance helps cover the costs your loved ones now have to pay without you like the mortgage, bills, or even small costs. Nothing can replace you, but planning ahead gives them something to lean on.


Funerals are expensive. I’m not just talking about extravagant funerals where there are hundreds of guests, thousands of flowers, and gleaming caskets. The average funeral in the U.S. costs about $7,000. At an already difficult time, your loved ones shouldn’t have to deal with this added expense either. Your life insurance can make these expenses without financial difficulty.


We understand that you work hard to make sure those people you love are cared for in every way that you can. You push yourself at work to pay the bills and put that extra money into a college fund for your kids. Bills can start to pile up fast after death. But death shouldn’t mean debt. Life insurance can help cover your dependents with any financial responsibility that you are leaving behind.


Life insurance isn’t just there to take care of your family. It can also be used to take care of your business. Your business could suffer from financial loss, liabilities, or instability, especially in the case of the death of a business owner or partner. Life insurance can provide necessary short-term cash or keeping the operations going until things are figured out in your absence.


Your life insurance can also be used to supplement your income. It makes sure that your retirement savings lasts as long as you do. It can work as a sort of do-it-yourself pension plan. You put a certain amount of money into your life insurance, and then you get a steady stream of income every month for as long as you live.


If you are someone who likes to give back, you can enable your insurance to leave a gift to your favorite cause or charity. This amount can be much larger than you would otherwise be able to set aside for a donation.


We can’t know what the future has in store for us. Tomorrow is not a guarantee for everyone. We could pass away today, next week, or live until we are ninety-five. No amount of money can ever replace a person. More than anything, life insurance can help provide protection for the uncertainties that life has to offer. Your family will no longer question what a world without you would mean for them financially because with life insurance they will know. Insurance gives you peace of mind, plain and simple. In a world where stress is an everyday occurrence, peace of mind is essential.