The insurance business is based on transferring risk. Insurers charge policyholders in advance for a risk that may or may not occur, such as a flood, fire, or car accident. In return, the insured person gains certainty that if the insured event happens, they will receive compensation as promised.
To determine premium prices, insurance companies analyze statistics and calculate probabilities—for example, how often car accidents occur or how many properties catch fire each year.
However, there is one risk that is 100% certain: everyone will eventually pass away. Instead of fearing this reality, we should use it to our advantage.
Why Life Insurance Is Unique
Life insurance is the only type of insurance based on a guaranteed event. That is its biggest advantage.
If you never have a car accident, never experience a fire, or never go through a hurricane, you might think:
“I wasted money on insurance my whole life.”
However, death is inevitable, making life insurance a guaranteed benefit.
Why Do We Hesitate to Buy Life Insurance?
Many people are willing to pay $300 per month for car insurance to cover an accident that might never happen.
Yet, they hesitate to pay just $30 per month for life insurance, which could provide over $500,000 in financial support to their loved ones for an event that will happen.
Even life insurance with living benefits covers another undeniable reality: we will age, retire, and need financial support.
It’s worth emphasizing this point:
All other insurance policies cover uncertainty, but life insurance covers certainty.
Take Advantage of This Reality
If you want to ensure your family’s financial protection, the smartest decision is to get life insurance today.
Still unsure? Contact a Univista Insurance specialist, who will explain the different types of life insurance and how to take advantage of this inevitable event.
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