Don’t DIY When It Comes to Life Insurance
The internet age has made us all into DIY-ers. We can do just about everything ourselves and online, from shopping and working, to dating and watching TV. And we can do it all without ever having to actually speak to someone in person!
It truly is a brave new world.
But still, in this digital era we live in, there’s plenty of room (and need) for relying on “real people.” Because even with the entire wealth of human knowledge at our finger tips (and in our pockets), there’s a lot we don’t know. That’s especially true when it comes to our finances, and protecting our loved ones.
Experience Means Something
Although listening to the drone of a Life insurance agent as they go on about options and policies might not sound like much fun…this is one area of life where it may be helpful to consider the valuable information an experienced professional can provide, and not just DIY.
After all, accidents happen. Think about the fallout if you were to pass away. What would happen to your debts? Who would pay for your final expenses? It could be a financial hardship if one of your parents co-signed on a mortgage or a car loan, or someone else counts on part of your income. Life insurance, on the other hand, can help ease that transition and limit the potential burden.
And an employer's policy may not be transferable. If you change jobs, take a sabbatical, or go back to school, you might lose your policy and not be covered.
Now, do you really want to hinge all that on some online quote, price comparison, or description on Wikipedia? Wouldn’t you rather take that off your plate, and allow a professional who’s been doing this for years help you protect what is important to you?
Have Someone on Your Side
In this post-recession economy still teetering toward sustainability, the role of the Life insurance agent has taken on a renewed significance. Life insurance agents can serve as a facilitator and educator, and can explain the specifics better than any web search could.
An experienced Life insurance agent can guide you through the nuances of Life insurance. They can get to know your specific needs, understand exactly what you’re looking for, and help you find a cost effective solution that may be more accurate than you would get with an automated online quote system. In fact, if you get Life insurance when you’re young and healthy, you generally get a better rate than you would if you wait till you’re older.
Also, agents have many sophisticated tools today to make the process quick and simple!
You may not think you’re ready to plan that far ahead, but it's worth hearing what a real live (and experienced) human being has to say about your financial future. Consider putting aside your DIY instincts, reservations, and preconceptions. Introduce yourself to a Farmers Life insurance agent, and get yourself one of those old-fashioned personal relationships. You might be surprised to discover how much there still is to learn.
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