2015 is hot on our heels, so it’s no surprise that many of us will feel like it was only yesterday that we were welcoming in 2014. With the close of December providing the opportune moment to reflect on the past few months, it’s easy to feel a little disheartened by all those unticked boxes on our annual to-do lists. But with work, holidays and celebrations aplenty, who can blame us? Those 365 days really can fly by.
It’s something we’re all guilty of: finishing the minor, easy-to-complete tasks whilst putting those less appealing ones on the back-burner. And whilst there are some jobs which can easily wait until the New Year, there are others that we really shouldn’t postpone any longer, and buying life insurance is no exception.
Having Life Insurance affords a high level of security to your financial dependants, and can ensure that, should anything bad happen to you, your family and friends will be taken care of. So arguably, it’s one of the most important things on your to-do list.
Perhaps your aim this year was to save up some cash to pay off more a bit more of your mortgage or loan. And good on you if you did, but have you considered how your family would cope if they were unable to pay off the basic sum, let alone a little extra?
So we know the value of having a life insurance policy, but still, why now? You may be asking yourself this question. After all, you’re not planning on popping your clogs any time soon. But typically, the younger you are, the cheaper your premiums will be. With a lower risk of injury and illness, it’s a statistical sum favoured by the insurers, so it’s really in your best interest to buy sooner rather than later.
A recent survey by Best Price FS found that, out of all respondents without life insurance, 47% were considering getting it. The most common reason for postponing its purchase was due to the need to ‘do more research’, just another unticked box on their to-do lists.
However, this needn’t be the case. With the wealth of information available about life insurance online these days, everything you need to know is just a click away, so there’s no reason to delay.
With the choice available out there now, it really is easier and more convenient than ever to get cover. Unlike the hoovering, it’s not a job which needs regular maintenance – once you’ve started paying your premiums, you can sleep safe and sound, knowing your dependants will be provided for if the worst were to happen. It’s one of the easiest jobs you’ll ever do, and likely the most worthwhile.