Believe It or Not, You are Not Invincible!

By George T. Leamon, CLTC – Lutgert Insurance –

There are four types of People in this world. Those who have been caregivers. Those who are caregivers. Those who will need a caregiver. Those who will be a caregiver. – Roslyn Carter

You are Not InvincibleFor most people, death is not an easy subject. It is uncomfortable thinking about no longer being alive, not seeing one’s children grow up, leaving one’s family – perhaps a husband or wife, children, brothers and sisters, parents, and friends. Yet death is one common factor that binds the entire human family. We may not all be rich and famous, and in fact may be important only to our family and close friends; yet what happens to the rich and famous happens to the not-so-rich and obscure: eventually we will all die.

It is easy for most people to put aside thoughts of dying as something that happens to other people; or if they think of it happening to them, only think of it as happening sometime in the distant future. Maybe that will be your future, but maybe not. In the blink of an eye, you may go from apparently having years of life ahead to being killed in a car accident. Death is not something that happens only to old people, or only to people after a long illness. No one is invincible.

Life Insurance is Less Expensive When You are Younger
While it may be tempting to put off getting life insurance until you are older, life insurance is much less expensive when you are younger. Younger people are typically healthier, which usually translates into lower insurance rates. If you buy a permanent life insurance policy, the premium rate you sign up to pay at the beginning will stay the same for the life of the policy, even as you get older, and even if your health deteriorates. This is why it is important to get the policy when you are young — the rates are lowest then!

The question is not, “If I die….” but rather becomes “When I die…” When it comes to your financial and familial responsibilities, how would you answer that? When you die, what will happen to your family? What will happen with your debts? Are they prepared to assume your financial responsibilities after your death? Or are you prepared to take care of them even after you die? You may not be able to save up enough money today or even in the near future for you to pay off all of your debts; however, you can buy enough insurance to pay off all your debts, in the event of your death, so that your family will not be burdened by it.

Having Life Insurance is a Wise and Caring Thing To Do
While you as a person are irreplaceable, your income can be replaced by life insurance. If yours is the main income in your family, this is vital. However, even if you don’t produce an income, but provide services in your family that would take money to replace (such as caring for young children), having life insurance would still be wise. Having life insurance to cover your debts and to take care of those you leave behind is the caring thing to do.

To learn more about life insurance for you and your family, please visit our website at or call George Leamon, Life and Long Term Care Specialist, Lutgert Insurance, at 239-280-3246.

George Leamon, Life and Long Term Care Specialist with Lutgert Insurance, has been in Naples for over 35 years helping seniors with their Life Insurance. Long-Term Care, Annuities and the rapidly changing Medicare arena. When was the last time you had your insurance reviewed?

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