2013 Easter Road Death Toll A Stark Reminder To Invest In Life Insurance

Things You Need to Know Before Buying Car,House, Health & Life Insurance online.

Insurance Buying Tips #1: Shop smart
When looking for insurance, your No. 1 priority should be to find adequate coverage. Price is important, but you’ll want to determine what kind of coverage you need first. Then you can fit that coverage into your budget and determine which carrier can provide you with the most comprehensive policy for your situation. You may be tempted to choose insurance with the lowest price tag, but if you don’t have enough coverage (or the right kind of coverage), you will see less financial benefit when it comes time to file a claim.
Insurance Buying Tips #2: Look for discounts
Once you evaluate your coverage needs, factor in your budget and find ways to save. Ask your insurance agent if there are any discounts on your coverage. Often, carriers offer discounts for things like paying your policy in full, staying auto accident-free or, if you’re in school, getting good grades. You also can save money by “bundling” multiple policies, such as purchasing a home and auto policy from the same carrier.
Insurance Buying Tips #3: Fill in the gaps
An average policy will cover the basics, but you may need to add extra coverage to meet your unique needs. For instance, you may have items like electronics or a nice piece of jewelry that would be financially difficult to replace, even with the assistance of your average renters or homeowners policy. You may want to add additional coverage for these items.

Death comes indiscriminately and abruptly for happy holiday makers, confirmed Transport Minister Ben Martins, when he regrettably admitted that the 2013 Easter road death toll was higher than the 2012 total of 217. Preliminary results recorded 241 fatalities over the 5 days of the holiday weekend, according to Arrive Alive. The truth is that death comes in the blink of an eye, the recent Easter road death toll delivering a miserably poignant prompt for us lucky souls, still in the here and now, to ask tough questions and confront our own mortality: For what would happen to our loved ones if we were to die? The truth is plain for us to see that owning adequate life insurance presents the most obvious antidote for our fears. Life insurance made simple

Insurance Buying Tips #4: Purchase life insurance—you aren’t too young
Life insurance is essential, no matter how young or old you are. And for millennials, buying now may be a smart move because it’s cheaper to buy a life insurance policy when you’re young and healthy. This kind of insurance can help your family cover unexpected costs in your absence, including student loan debt or a mortgage, in addition to end-of-life costs. And if you have kids, a life insurance policy can also support their education or childcare expenses. Additionally, every millennial should consider long-term disability coverage, which helps you stay afloat financially if an accident happens and you become disabled and unable to work.
Insurance Buying Tips #5: Talk to an independent agent
An independent insurance agent is an essential resource when purchasing insurance—especially if this is your first time. An independent agent works with multiple different carriers, which is different from captive agents who can only sell insurance from the carrier they work for. Working with an independent agent can help make sure that you are getting the best coverage, for the best price. You’ll also benefit from independent agents’ insurance knowledge; they know how to talk you through your options and actually explain what each policy includes. An independent agent will make sure all of your assets are covered, help you find discounts or other ways to save, and be a valuable resource as your life changes and your insurance needs change, too.
Insurance Buying Tips #6: Only buy insurance to maintain your existing standard of living
You don’t need insurance for events that won’t severely strain your finances. Start with your basic needs (home, auto, business), then work your way to include other needs (cyber, liability). You can always obtain coverage later for something if you change your mind. You can minimize your risk and maximize your savings by buying insurance that won’t cause you to break the bank.

To not dwell on the unfortunate, let me detail how easy it really is to go about organising your own life insurance policy. To start with, you needn't go through a broker, but can directly call the insurance company or browse what services are offered online. This, done from the comfort of your own home or at your own convenience, makes sourcing an insurance quote simple and so will conclude your first significant step towards acquiring valuable sources of financial assistance in your time of need. Deciding how much cover you need

This is ideally decided with the assistance of your life insurance company or your broker and premiums can be structured to suit your specific needs and be changed quickly and accordingly as your life needs progress. From a student looking to have his funeral costs and student loan debt covered to the executive provider looking for professional cover to one help in settling his estate and have financial backing to provide for his loved ones once he departs, a tailor made approach can be found to suit your needs. As jobs and relationships mature and develop, or we decide to have children, a simple call will make steps toward restructuring our life insurance premium, keeping it up to date and suited to our lives.

Serenity means having a stillness of mind amongst the truly chaotic occurrences around you and when looking at the road fatality statistics, one is made aware of how chaotic our world is and how being covered against such eventualities as a fatal car crash would give one serenity of mind. Life insurance will give you the peace to go on with your life with faith, knowing that any misfortune is still thought out and covered for.

Insurance Buying Tips #7: Ask your insurance provider what the policy doesn’t cover
Every insurance policy has perils that are not covered by your policy. These perils are referred to as “exclusions”, and every policy has them. Ask your insurance provider to explain the exclusions in your policy to avoid discovering what they are once you incur damages or a loss.
Insurance Buying Tips #8: Consider bundling several policies with one insurance carrier
here may be value in bundling several policies with one insurance carrier. If you’re looking to insure multiple vehicles or obtain multiple types of business coverage (e.g., liability, property, cyber), then you may want to consider obtaining coverages under one insurance provider who carries multiple products, and who may be able to offer you multi-policy discounts or loyalty programs.
Insurance Buying Tips #9: Review your insurance needs on a yearly basis
As your needs evolve, so will your insurance policy. Maybe you’ve acquired a new vehicle since obtaining auto insurance for your primary vehicle, or started operating your business out of your home, or experienced a cyber-attack during the year… Whatever the change(s), you’ll want to make sure you’re covered for any new risk exposures. Talk to your insurance provider to stay on top of your insurance needs.
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