Life Insurance is the Best New Year’s Resolution to Keep
New Year’s is right around the corner and the best time to think about owning life insurance. Looking at New Year’s resolutions, making sure your loved one’s are provided for should you ever pass, should be at the top of the list. The best part about this is it makes you want to evaluate your own health and life style and change it for the better.
Most people do not want to be judged and I think this is why some people don’t own life insurance. They’re worried that if they apply, they might get rated or even denied. The reality is, life insurance has a very broad rating system, so the probability of being insured is high. But it goes without saying that the healthier you are usually, the less your premiums will be. Obviously if you’re a smoker, you’re premiums are probably double. Makes sense because smoking has such a high risk for complications and mortality. So why not quit? It’s better for you, better for you’re lifestyle and family. And you’ll most likely pay less for your life insurance.
Now we all know you can’t just snap your fingers and stop smoking, or drinking or eating poorly. Keeping a New Year’s resolution is one of the hardest things to do. Science has even proven this. Did you know 88% of all New Years resolutions unfortunately fail? (Source: BufferSocial, https://blog.bufferapp.com/the-science-of-new-years-resolutions-why-88-fail-and-how-to-make-them-work)
But don’t give up the good fight! Creating a better life style for yourself will change your attitude in everything that you do. Life insurance can motivate you to make this change.
It’s interesting that most people in their 20’s could really care less about what their credit score is. But ask them how important it became to them when they got the “bug” to buy their first home. Also probably why most younger people don’t think about owning life insurance. But as soon as they get married or pregnant, it’s one of the first things you start to worry about. It’s a different story when you’re just taking care of yourself, but when you have someone else to look after, you can’t help but worry to make sure they would be all set if anything should ever happen to you.
So looking into the new year, think about the changes you want to make and take small steps towards changing those habits. Celebrate the fact that you can reduce your cost for life insurance, simply by making a commitment to live a healthier happier lifestyle. Easier said than done, but well worth the investment of your time, not only for you, but for your family.
About the author: Mark Yurkovic has been in the life insurance business for over 12 years, and holds CLTC, LUTCF, and CES designations. He enjoys building remote control boats, and playing instruments including the piano, guitar, banjo, and mandolin. Mark would love to discuss life insurance options and work towards finding the best policy fit for your family. You can contact Mark at 1-800-651-1953 or MYurkovic@Pivot.com