Ray Hodges Financial Group

Not long ago, my best friend shared some sobering wisdom with me that his father had shared with him.  His father said, "Michael, you're at an age where you will begin attending more funerals than weddings . . ."

Like it or not, sooner or later, that statement applies to us all.  Since this is an inevitable outcome, the question I always ask is, "Have you prepared for it?"   I know it's easy to put it out of your mind or to think ". . . My grand parents lived into their 90s so I know I'm not going any where soon . . ."  If only our longevity could be guaranteed, it would remove the uncertainty.  The reality is, none of us knows.  One of my friends and clients was recently diagnosed with a critical illness.  He never engaged in any detrimental behavior, but he couldn't escape the diagnosis.
 
Maybe you're one of my prospects who has told me ". . . I'll get around to buying insurance.  I don't have time right now . . ."  There are two realities that make that an unwise decision.  One is age.  While you're aging, the cost of insurance is increasing so the longer you wait, the more it's going to cost.  The second reality is your health.  The more we age, the more likely our health will deteriorate or worse, like my friend, you could be diagnosed with a critical illness.  If you are "fortunate", you will only have to deal with health issues which makes you more of a risk which will increase the cost of your insurance.  The worst case scenario is being diagnosed with a critical/terminal illness before you make time to put a policy in place.  I'll state the obvious.  At that point, it's too late.   What's the moral of this story?  Invest in life insurance NOW, while there is still time, while it's less expensive, and while you're still insurable.  No one needs to be reminded of how our economy is doing and how hard times are.  An unexpected or expected death is quite an emotional and financial blow.  Immediately, someone is responsible for upwards of $10,000 in burial expenses alone.  And that's not counting the outstanding debts that may have to be resolved.   Prepare for the inevitable, and do yourself and your family a favor.  Make it a priority to protect the ones you love from financial hardship that is avoidable.  If you love them, protect them.