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Myth Busting
“I can save and take
care of my family.”
Most people do save to take care of their family. But
if you and/or your spouse die tomorrow, are there enough
savings to cover immediate family needs, such as care for
your children, and your spouse's retirement needs? Try the
"Simplified Insurance Analyzer" to see where you stand.
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Try the Simple
Insurance Needs calculator to see where you stand. |
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“Do I really need
to buy insurance? I am single, and young with no dependents.”
You do not immediately show a need for more expensive,
permanent type of insurance. Term insurance may suit your
present needs and Permanent life insurance may suit your
future needs.
“I can't afford
life insurance.”
Life insurance products are created to look after consumer
needs. Most consumers when they are starting out cannot
afford high premiums and therefore opt for the less expensive
temporary term insurance to get started.
“They would
not insure me anyway since I am in poor health, have had a
heart attack, etc.).”
Yes, you may be considered a higher risk with more expensive
premiums, but sometimes the risk (sub-standard risk) is
not as bad as you think. Speak to a qualified representative
to find out.
“I have protection.
I have group insurance, mortgage insurance, WCB, and government
sponsored health care plans.”
Yes, you are protected as long as you are able to work.
Individually owned coverage ensures that you are always
in control.
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