Your family shouldn’t have to rely on a Go Fund Me Page when life deals its blindside hits.
It’s never enough. In my profession, it’s the saddest thing I see on my news feed, because I know it could have been different.
Protect them. You can’t go back and get insurance after you need it. Life has no reset button.
1.) Term Life to age 55 (1-3 years of your salary if possible).
2.)Catastrophic Coverage. Look at your family history as a GPS and get Critical Care (heart attacks and strokes) or a Cancer Policy ten years before the first family diagnosis (example: if Aunt Bertha got cancer at 48, get a cancer policy by age 38).
3.) Disability and/or Long Term Care in case you are unable to work for an extended period of time.
4.)Juvenile Whole Life for the kid, and she can cash it out any time after age 18 or let it roll as a policy of her own. This one’s the easiest and the most affordable.
5.) Some form of guaranteed whole life or final expense policy so your loved ones don’t have to pay for your funeral out of pocket. This one is really affordable when you’re young and the first one to buy if you don’t have anything as a senior citizen. Hint: Hook up your kid with juvenile whole life and she’ll still be paying ridiculously low rates for this when she’s 80.
Look at your coverage like a suit of armor. If work covers some of these gaps, that’s awesome. It’s your job to cover the rest. If work doesn’t cover anything, then we can start with some basic armor that fits your budget.
It takes just 20 minutes to do the application. Send me an email or text today to set it up.
If you say you can’t afford insurance, then you definitely can’t afford NOT having insurance. Act now to protect your family. I’ll be by your side every step of the way, and help you choose options that fit your budget and give you peace of mind.
Don’t wait until Go Fund Me becomes your only choice.
Dr. Rudolph W. Lurz is an independent insurance agent licensed in VA, IL, PA, and FL. He left a career as a teacher and football coach to help protect people from life’s blindside hits. He lives in Roanoke, VA with his wife, daughter, and cat.