A sad and unfortunate fact: Benefits of insurance are often recognized after disaster strikes. Many people, myself included, complain about paying for insurance. When money is tight it is very easy to look at your insurance premium payment as something of little importance. Sometimes it takes devastation and disaster to bring us back to reality and realize insurance is of great importance.

The article: “Insurance makes economic recovery possible for Chile” posted on Insure.com, tells how Chile will rebound much faster and easier when compared to Haiti's recovery. Keeping insurance at the top of your priority list will help the “sting” of disaster and devastation to be bearable.

There truly is no amount of money to make up for the loss of life, but life insurance certainly makes it possible for survivors to rebuild their lives!

Related topics:

Some is better than none

How does life insurance protect?

What term life insurance gives you?

Have you heard of the term “Final Expense” life insurance, wondered how this product differs from traditional insurance coverage and if this affects you? It is important for you to know the difference in order for you to make the best decision when it comes to protecting your family and loved ones.

Being somewhat self-explanatory – “Final Expense” life insurance covers the cost of your final expenses... as in funeral expenses, medical bills or wherever it is needed most when you die. The main difference between final expense and traditional life insurance is a final expense product is NOT designed for income replacement. These type of policies simply do not have large enough coverage amounts. Many experts recommend having 10 -15 times your annual salary in life insurance coverage.

Since simplified underwriting is generally done for this product, final expense life insurance can be the answer when you may not qualify for traditional term life insurance.

Keep in mind the general purpose for final expense products... are for final expenses, which in turn means the typical maximum face value for these products are $25,000.

For those of you who are older and whose families do not depend on you for financial support, this product is for you. --- But, also keep in mind, if you are not able to qualify for traditional term coverage, and qualify for this smaller face value product....Having SOME life insurance is always better than having none. If you are healthy, young and have family to support, a Term Life product is what you are looking for.

 FREE “Final Expense” brochure

Life insurance agents always tell you to keep in shape "You have to stay in shape.

My grandmother, she started walking five miles a day when she was 60. She's 97 today and we don't know where the hell she is". by Ellen DeGeneres

Question: Do you know the difference between a man and a whole life policy?

Answer: A whole life policy eventually matures.