What would happen if you were to know that you have had cancer six months from now, you did not have coverage of Health Insurance? Imagine that you went to your doctor for your annual review feel good, and you said that the cancer. It is expensive, but definitely treatable. The cost for the duration of the treatment is $ 375,000, since you do not have a health insurance policy. Would you be able to write the check without blinking? Would you be able to work comfortably on a repayment schedule with the hospital and assume payments of what would essentially be a monthly mortgage extra payment? If the answer to any of these questions is no, then you need a comprehensive health insurance policy, do not you think?
What would happen to your spouse and children if you were to have a six-month car crash from now and instantly die without insurance coverage -life? Imagine that your spouse is able to obtain or maintain his / her work and find arrangements for the care of children while working full time. Does your spouse easily be able to afford the mortgage payment? What about pay auto loans? What to pay school loans? What about paying for a child's college? If the answer to these questions is no, then you need a life insurance policy, do not you think?
What would happen to your budget and the budgets of your family if you were to choose to go without a long -term care insurance, but years from now you end up having long-term care needs at a cost of $ 50,000 + per year? Imagine that you are in a situation where you absolutely must have specialized care, but you only have the funds available for a few months without payments decimate your retirement funds. Your health comes first is what would you do? If your budget is not able to manage the cost, and you could not bear to have a family member to pay for you (if they even have), then you need an insurance policy of long-term care, do you think?
Joel Ohman is a certified financial planner and founder of CarInsuranceComparison.com and has a life insurance agency and disease based in Tampa, Florida.
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