In the recent article "The Case for Demanding life insurance," Brian Fechtel outlines some points that should make you think. And while the concept of legally mandating the life insurance property can be exaggerated, I ask readers to think about these questions:
- What if the new parents were proof of life insurance before taking their babies to the hospital (as they must have a car seat). If parents must present proof of "fiscal responsibility"?
- What if applicants in wrongful death suit were allowed to collect from a guilty party for an amount equal to the life insurance of the deceased had his / her life other words: a third party should not have to pay your heirs more than you think your life is worth.
- Do you wear excessive amounts of liability insurance in case you get sued? If you protect yourself by liability insurance, protect your family with a similar amount of life insurance?
- Why the families of the victims of 9/11 have their "payment" reduced the amount of life insurance they? Fact: Those who had taken steps to protect their families actually received less than those who did nothing.
Fechtel wrote "when there is no hope that these ideas would be implemented in the near future, would not have public debates on these helpful ideas?" I do not like the idea of the government mandating anything, so I'm not in favor of this idea, however, recent statistics show that LIMRA ownership of individual life insurance fell to 50-year low and that four out of 10 households with children would have trouble paying bills immediately if the family mainstay should die. This leaves many people in very vulnerable situations financially.
Although it is currently not mandatory for you to purchase a life insurance policy, it is mandatory for you to take responsibility for yourself and your loved ones. Start by determining how much life insurance you may need with this calculator. And make sure you follow through and purchase protection. Contact your insurance agent, or if you do not, you can click here to find one in your area.
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