These are the three most common excuses people use that stop them from getting life insurance and why it shouldn’t keep you from getting the insurance you need.
Number 1: The life insurance plan I have through my job is good enough
Many companies provide a type of supplementary life insurance coverage that usually is only one or two times your annual salary. This coverage amount isn’t always enough to meet the needs of most families. Furthermore, you typically can’t take your policy with you when you leave your job.
Number 2: It’s just too expensive
The different life insurance policies available in today’s market make it possible to find a plan that fits any budget. Shopping for life insurance early in life is one of the best possible times to make a purchase. Not only will your insurance premiums be more affordable, you’ll find it’s much easier to get a policy when you’re younger and healthier.
Number 3: I need more information to make a decision
Life insurance can be complicated to understand. However, don’t let what you don’t know keep you from getting a policy. In fact, at Cosmo Insurance Agency, a life insurance broker will help you take those first steps toward understanding the basics and help you calculate how much life insurance you need.
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.