A one-size-fits-all gift for Valentine's Day

A one-size-fits-all gift for Valentine's Day -
February is all about love, with couples flocking to jewelry stores and shops florist to choose what something special for their special someone before going to their favorite restaurant. But this year, why not plan a stop over before heading out to dinner two - the office of your insurance agent

While there is no doubt that a bouquet or a box of bling is always welcomed, there is another gift that can have an even greater impact on one you like: life insurance. It ensures that your loved one (or your loved!) Be supported financially, even after you are gone.
And while the vast majority of Americans, 86% -believe the life insurance is important, as the "LIMRA and LIFE Foundation 2011 Insurance Barometer Study," more than one third have no coverage 'life insurance. The consequences of this gap in coverage can be devastating. Without enough life insurance, many families face potential ruin when the income of their loved one is no longer available.
Even those who currently have in place insurance policy may have underestimated the amount needed. You need to consider two numbers: the amount of money needed to cover final expenses and debts (also known as "private equity") and the amount necessary to maintain the household. Visit the easy to use life insurance needs calculator to have a working idea of ​​what amount of coverage you may need.
And there is not the breadwinner who needs to have in place insurance. Stay at home parents make an important contribution to the family economy, in terms of child care and household duties, whose value was estimated at more than $ 40,000 per year. With an insurance policy in place, there will be sufficient funds to ensure that these responsibilities are respected and quality of life of the family is preserved, despite the loss.
As for singles, there is a common misconception that people without children or a spouse not need life insurance. Singles can provide financial support to siblings or elderly parents, or have a large debt that without insurance payout can move on to other family members. By evaluating your current financial situation and taking into account the needs of those who depend on you, you can realize that purchasing a life insurance policy sense.
These are serious considerations for a hearts-and-flowers month, but what better time to demonstrate the love you have for each other and for your family by ensuring that you and those like you are adequately protected? Then make this extra-special in February giving each other a "gift of love" special form of life insurance.