Got Life Insurance? If Not, Why Not?

Just the other day, I saw an offer for a free quote on life insurance from http://www.lifeinsurancequotes.me/

My first response was, "Don't we already have enough insurance? Sometimes it seems as though more of our income goes towards paying insurance premiums than toward everything else put together in our family. We each have a health insurance policy and a supplemental health insurance policy that covers whatever isn't covered by the main policy; a small life insurance policy that would probably just cover burial expenses for each of us; automobile insurance on two vehicles; our house liability and fire insurance policy; and a small ambulance policy.

Wow, it looks even worse when you write them all down in a list like that.

But, even though our lengthy list of insurance policies can seem a bit overwhelming at times, there isn't one of them that I would eliminate. In fact, there is one area that probably needs to be increased and that is our life insurance policies--at least for the main breadwinner in the family. Maybe that free quote from http://www.lifeinsurancequotes.me/ is worth taking a look at, especially in the hard economic times we are facing today.

More than ten years ago, my husband, with no history of heart problems, was rushed to the hospital for an emergency quadruple by-pass operation. Fortunately, our health insurance policy picked up the major portion of that operation or we would have lost everything we owned in trying to pay the bill.

That experience has made me very cautious about making sure we have adequate insurance. I have a teaching certificate and might be able to land a job in my field if something were to happen to my husband, but I often think about young families with several children who would be left in dire straits should anything happen to the breadwinner of the family. Most women, even if they have a profession to fall back on cannot earn enough to pay for full-time child care in addition to meeting the day-to-day expenses of a growing family.

Yes, I know that money is tight and insurance seems to be one of the things we think we can afford to put on the back burner until finances improve. As someone who has gone through a medical crisis where insurance made the difference in surviving that crisis without having the additional burden of losing our home as well, I urge you to consider ways things you might be able to cut back on in order to afford at least enough life insurance for the breadwinner in your family to replace his or her steady income for the time it would take for you to recover emotionally and financially.

Believe me, the peace of mind that knowing you are somewhat prepared, just in case, is worth far more than anything you may have to give up in order to achieve it. Visit
http://www.lifeinsurancequotes.me/ for an estimate today.