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Modern Woodmen offers a variety of fraternal member benefits for all ages.

September is Life Insurance Awareness Month

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Why are so many households underinsured?

“The way I look at it, it comes down to self-worth and whether or not you think you and your family are worth protecting. I think you are.”

Danica Patrick, 2017 Life Insurance Awareness Month spokesperson

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According to the 2017 Insurance Barometer Study (Life Happens/LIMRA):

                      •  85 percent of people believe households should have life insurance, yet only 59 percent say they have it.

                      •  40 percent of households without life insurance would struggle to pay living expenses if their primary wage earner died.

                     •  40 percent of people wish their partner had more life insurance.

For many, life insurance should be at the center of a financial plan. So why are so many households underinsured?

There are several misconceptions about life insurance:

“It’s too expensive.” It’s not. Many people can be insured for the price of a daily cup of coffee.

“I’m too young.” You aren’t. In fact, the younger and healthier you are, the easier it is to lock in coverage at a great rate.

“I can always get it later.” Too often untrue. Unfortunately, age and health can create significant barriers to getting adequate coverage. You may develop a condition that makes you uninsurable – or worse, you may fall victim to a tragic and unexpected accident.

“I don’t need life insurance.” You most likely do. Life insurance doesn’t just cover leftover bills. It can replace income in a household, serve as an inheritance for a loved one, fund education goals for a child, provide a sizeable donation to a charitable organization and so much more.

Do you have enough coverage? When was the last time you checked?

September is Life Insurance Awareness Month, a nationwide campaign created in 2004 by Life Happens. Life Happens is an organization dedicated to educating consumers on financial products and topics.

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Find your local Modern Woodmen representative at reps.modernwoodmen.org – and check out the content below for planning tools, personal stories and more information about the value of life insurance.

Modern Woodmen member stories:

 

Our products: Life insurance

Life insurance needs calculator

The benefits of protection

Founded in 1883, Modern Woodmen of America is a fraternal financial services organization offering financial products and fraternal member benefits to individuals and families throughout the United States.

 

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Cameron Cameron
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