Ensure the time of your life

Preston Newby was youth minister. He and his wife, Tara, were driving with their son to visit family excited to announce a new baby on the way. In keeping with the kind of person Preston was, he stopped to help at the scene of an accident. That's when he was hit by another car and killed. He was only 24.

Fortunately, this young couple had their planning and bought a life insurance policy. Thus, despite the emotional turmoil that caused the death of Preston, Tara, a housewife, and her two son were financially able to continue as before. You can watch their story here.

How many other people have prepared as for the unexpected? Unfortunately, not enough: more than 95 million adult Americans have no life insurance

Many people think: "I'm young .. This will not happen to me. "Statistically, they may be right. However, they could be being one of the statistics. You do not know and that's the problem. The solution is life insurance.

If you people you love and who depends on you, or if you have financial obligations to meet, you need life insurance to protect against the "if" -at all stages of life.

single you may think you do not need life insurance, since you have no dependents, but if you owe money, you need ensures. your debts, including student loans, will not be transmitted to your family. in addition, life insurance will never be cheaper than when you're young and healthy

married :. as you begin your life together, you will likely incur joint financial obligations such as buying a house, in addition to monthly bills. It makes sense to protect your spouse with adequate life insurance. It is also a smart move to get coverage up now if you plan to have a family

Parents with children :. If you are in the middle of this stage, financial obligations abound. Many couples rely on two incomes to make ends meet and single parents can be one and only of their children. Life insurance is essential at this stage. When know how much you need, remember that the economic impact that you have on your family can be measured not only by how much you earn now, but by how much you earn during your working life. Life Happens' Human Life Value Calculator can help you determine what will be

empty nests / retired :. Your children are themselves and your mortgage is paid off, so you may think you do not need life insurance. However, many people have lost part of their retirement nest egg during the recent recession and may not have had time to rebuild it. Life insurance ensures that if something happens to you that your spouse or partner can still live comfortably in retirement, despite deficits

Remember, life insurance is a response simple to an important question :. Someone suffer financially if I had to die. If the answer is yes, it is time to sit down with an insurance agent.