What the Insurance Doctor orders to protect your family?
First, buy Term Life Insurance and Individual Health Insurance as the foundation of family protection. Then be sure to follow up with good car seats, bike helmets, fire alarms and all the other protection measures to keep your family safe from harm.
About 68 million adult Americans have no life insurance. This means if they die their families have no financial protection. More than half of those who do have some insurance are under-insured and thus cannot adequately take care of their families when they die. Most under-insured American adults are insured for only four times their annual salary or less!
Why don't Americans properly insure themselves? Because they don't know how to select or buy the right insurance.
The Insurance Doctor recommends Individual Health Insurance!
The two most fundamentally important components of good family protection are life and health insurance. Yes, bike helmets, fire alarms, open talks about drugs and so forth are important too. But first there must be Term Life Insurance (it provides coverage for a specific period of time, typically 20 or 30 years, only if the insured person dies during that period of time) and Individual Health Insurance.
How do you define family?
The definition of family in America is changing. But in a world fraught with so much uncertainty we all have increased concern for protecting our loved ones no matter how the word family is defined.
Family is a central value in our country and protecting and taking care of family is the primary adult role of most Americans. Needless to say, it's getting harder and harder to do.
You don't need an employer to have Individual Health Insurance.
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