LIFE INSURANCE
Having a life insurance policy is so important, I feel it should be a law in all fifty states that parents and anyone who has someone depending on them should be required to purchase it. Life is so unpredictable and leaving your loved ones to grieve the loss of you on top of no financial support should never be an option.
The Theory of
Decreasing Responsibility
According to the Theory of Decreasing Responsibility, your need for life insurance peaks along with your family responsibilities.
 When you’re young, you may have children to support, a new mortgage payment and many other obligations. Yet, you haven’t had the time to accumulate much money. This is the time when the death of a breadwinner or caretaker could be devastating and when you need coverage the most.When you’re older, you usually have fewer dependents and fewer financial responsibilities. Plus, you’ve had years to accumulate wealth through savings and investments. At this point, your need for insurance has reduced dramatically, and you have your own funds to see you through your retirement years.
When you realize you need a life insurance policy, now, not tomorrow, is the time to get it. Life insurance does not have to be confusing if you know what life insurance coverage you need.
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