The Pete the Planner Radio Show.
No..I'm good man...
Submitted by Roy Lederman on Sat, 06/13/2009 - 12:18pm
It tickles me when I come in contact with a client that replies about their life insurance protection as ..."No, I'm good"... Thinking their $50K death benefit is enough to take care of things if their number is called.
My simple response is "WAKE UP!!"..
Please realize life insurance protection is made up of two primary variables. The first is your immediate cash needs comprising of the cost of a funneral, paying off debt- Including mortgage, credit cards, student loans, etc...
Have we reached $50,000 yet? You bet we have...
Other immediate cash needs are providing an emergency fund that should reflect 3 months of family income. Lastly, don't forget about Billy or Jen's future college education..
The immediate cash needs alone for a family can run in the hundreds of thousands of dollars... In my example my client had an immediate cash need of $265,000. A tad more that than $50,000 of coverage he has.. Reminds me of watching Charlie Brown cartoons growing up... GOOD GRIEF?
The second part of the equation is the ongoing income need. Usually when there are dependents at home there still needs to be 70% of the family income coming through the door. If you do not have kids in the household the needs drops to 50%. Why you might ask...
You need to maintain the same style of living and provide for yourself. You need to keep your dreams alive!
All I ask is sit down with a financial professional, feel free to call our company and make sure you are covered.
If you think you are "GOOD" you are probably not.
Plan for it...because it happens.
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