Life is Unpredictable!
July 16, 2024
July is UV Safety Awareness Month and a good reminder to protect our skin and eyes from excessive exposure to UV rays.
If you have or have had skin cancer in the past and are wondering if you can still obtain life insurance coverage, explore North American’s latest blog for some helpful things to consider.
How to Start Life Insurance: A Simple Guide for Families Thinking about life insurance can feel overwhelming — but getting started is easier than most people think. At its core, life insurance is simply about protecting the people you love. If you’re just beginning your journey, here’s a step-by-step guide to help you take the first step with confidence. 1. Understand Why You Need It Life insurance isn’t just about money — it’s about peace of mind. Ask yourself: If I weren’t here tomorrow, would my family be financially secure? Life insurance ensures your loved ones can keep their home, pay bills, cover education, and continue life without financial stress. 2. Decide How Much Coverage You Need A good rule of thumb is 10–12 times your annual income , but the right amount depends on your family’s needs. Consider: Mortgage or rent payments Childcare and education expenses Everyday living costs Outstanding debts This gives you a clear picture of the protection your family would need. 3. Choose the Right Type of Policy There are two main types: Term Life Insurance: Affordable, lasts for a set period (10, 20, 30 years). Great for young families, mortgages, or temporary needs. Whole Life Insurance: Permanent coverage with cash value that grows over time. Ideal for long-term planning and leaving a legacy. Sometimes, families use a combination of both. 4. Compare Costs and Options Life insurance is often cheaper than people expect — especially if you’re young and healthy. For the cost of a few cups of coffee per month, you can provide hundreds of thousands of dollars in protection. 5. Talk to a Trusted Professional The best way to get started is to sit down with an advisor who understands your family’s needs. At Family Legacy Builders , we believe in mission over commission — meaning our goal is to protect families, not sell products. We walk with you step by step to find the right policy at the right cost. 6. Take Action Today The most important step is to start now . Life insurance only gets more expensive as you age, and waiting too long can leave your family unprotected.
July is UV Safety Awareness Month and a good reminder to protect our skin and eyes from excessive exposure to UV rays.
Everyone needs a digital media strategy, and not for the reasons you may expect. In fact, if you think digital strategies are just promotional, think again.
