Why You Need Life Insurance NOW Not Later

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Why You Need Life Insurance NOW Not Later

Most young people know that unexpected and unforeseeable things can happen at any time, but they still have the attitude “it won’t happen to me.” And while we hope nothing bad happens to us, you never know. The point is that you don’t know when your neighbor’s tree will fall on your house, a drunk driver is going to run a stop sign, or your spouse dies. Life is scary and uncertain, and insurance helps provide a sense of stability for you or your loved ones.

People under the age of about 35 may feel invincible because of their good health, their bright future, and the endless possibilities ahead of them, but the reality is that this uncertainty calls for life planning.

According to Money Under 30, if you have a spouse and kids, you should have life insurance. Most young people do not have the funds to sustain themselves or their families for the rest of their life. So, unless you have the reserve for your spouse to retire, your house to be paid off, and your kids to enroll in college it’s smart to get a life insurance plan. Additionally, your life insurance plan will be less expensive the younger and healthier you are.

To get an estimate of your life insurance needs, you can meet with an insurance agent to thoroughly review your life and assets. However, there are tools to estimate your life insurance value. Life Nonprofit has one life insurance needs calculator here: http://bit.ly/1bSGBd7.

The most important thing to remember about insurance is that you can never be too prepared. No matter your age, life insurance can help the lives of those you love.

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Melinda Martin

Account Executive

Melinda began her insurance career in 1985 with Alexander & Alexander where she received her Property & Casualty and Life & Health license. Since then she has worked at various agencies in the New Orleans area and in California as a senior account manager for Employee Benefit Plans.  While in California, she was also the Membership Director for the Burbank Chamber of Commerce. Melinda joined the AWS team in July of 2015.

Michael A. Seeling

Vice President

Graduated from the University of Louisiana at Lafayette with a B.A. in Insurance Risk Management and is a graduate of Archbishop Rummel High School in New Orleans. He joined AWS in October of 2008 and has been awarded the Patient Protection and Affordable Care Act Certification (PPACA). Additionally, he is working towards his Certified Insurance Counselor (CIC), Registered Health Underwriter (RHU), and Registered Employee Benefits Consultant (REBC) designations. He is also a member of the National Association of Health Underwriters (NAHU), National Association of Insurance Financial Advisors (NAIFA), and is an active member of the Fore!Kids foundation.