Life Insurance, It’s a subject that few want to discuss or people think they have enough either through their jobs or the policies they have because their parents bought on them when they were a child. The truth is that most people are under insured or don’t have any life insurance at all. As managing partner at Southeastern Brokerage Group located in Charlotte, North Carolina I hear stories all the time about how people either don’t have any insurance or they just let their life insurance lapse when tragedy happened and they die and leave their families without protection. Life insurance represents a peace of mind, it is more than just protecting your family. Life insurance can be a means of putting away money for retirement or leaving a legacy after you have left this world.

Life insurance rates have gone down over that last few years and today is a great time to buy life insurance but there has to be proper planning done to make sure you buy enough coverage. Many young people don’t realize that you buy life insurance or any insurance for that matter with your health so waiting for the right time is a not a great strategy. When meeting with clients I tell them about what happened to me to shed some light on why today is the best time to buy life insurance. When I was 18 I had my first brain surgery for a condition I didn’t know I had. My family didn’t have the foresight to see that I would need surgery, but my Mom had the knowledge to protect me when I was younger. She bought a whole life insurance policy on me shortly before my surgery. I always say I was healthy until I wasn’t!

This is a sobering thought for most people because they look at me and they see a healthy person. They don’t see what happened to me. So today I ask you do you have Life insurance? And if you don’t do you see the need to make sure your family is protected in case something happens to you? Today is a great day to start planning for tomorrow!

KaitHeadshot-200x300

Kaitlyn J. McCarthy, CLTC

Managing Partner

Southeastern Brokerage Group