Life insurance agents have two stereotypes to overcome. The first is the portrayal of life insurance agents in movies as pushy annoying jerks that want you to buy insurance that you do not need. Those stereotypes are false. The agents at Bob Korvas Agency Inc. serving Niles, IL and the surrounding area, are nice, friendly people. Their main goal is to help you. They do not make you want to run away screaming. That only happens in silly movies.
The other thing that life insurance agents have to deal with is procrastination by their clients about getting adequate life insurance coverage. This happens because there is a false belief by many that life insurance is only worth something after a person dies. Younger people, in general, think they are going to live forever, so the concept of life insurance is something they prefer not to consider. As with all misconceptions, this is not true either.
Life Insurance Benefits While Alive
Life insurance, when organized properly, provides many benefits to a person while they are still alive. Whole life insurance builds cash value that can be used to borrow against in the future. Term life insurance can have a rider that covers permanent disability for a person seriously injured who cannot work. That could be anybody, even a younger person.
If you happen to get a deadly illness, there are policy choices that allow you to cash out or borrow on the policy, to help pay medical bills. Work with your agent to talk about these things and you will not only have a pleasant experience, but you will also feel more protected. Caring for their clients is what the agents at Bob Korvas Agency are good at doing.
When should you start to have life insurance?
The answer is right now. Just look at how a major global pandemic came out of nowhere. The best time to get life insurance is immediately if you do not already have it. The good news is if you are young then the cost is manageable. If you set the policy up on auto-pay, you will probably not notice it. It will slowly, but very steadily, build up value over time to be ready if you need it.
Why not go ahead and take the time to call your agent to get a complimentary comprehensive insurance review. It makes good sense and will calm you in times of stress to know you have adequate coverage. To get an insurance review and a quote, contact your agent at Bob Korvas Agency Inc. in Niles, IL.