Isn’t that a sad fact? My first job after leaving school was working for a life assurance company. My job was simply to go door to door trying to sell life assurance. I can tell you right off, selling anything door to door is tough and selling life assurance is one of the toughest things to sell ever!

Why? well, it’s simply because NO ONE wants to consider their demise and as a consequence, the younger the person, the less likely they are to consider buying insurance of any kind. For this one simple reason, selling life assurance, indeed anything to do with death, like Wills, or funeral prepayment plans gets easier the older the person you are speaking with.

It is true that we are living longer, healthier lives than ever before and life expectancy is increasing all of the time. Now reader, I don’t know your age or health or anything about you but here is a statistic for you to consider and to which you may be able to relate to: On AVERAGE, there is ONE DEATH per person. (I say AVERAGE because allegedly both Jesus and Lazarus came back from the dead, so this means that one death per person may not be an accurate statistic!)

Here is another fact for you to consider:
For the sake of the price of a pack of cigarettes each week, a typical family man under the age of forty can provide enough life assurance to put his kids through college in the event of his early demise.

Insure, Insure, Insure.

Those were the wise words of Winston Churchill, a man renowned for his ability to explain things in a quick, no-nonsense way.

So next time you buy that packet of cigarettes, that bottle of wine, spend that tiny part of your disposable income on escaping from the harsh realities of life even for a short time, why not consider getting your priorities in order. Family!
I don’t work in the life assurance industry now, indeed I haven’t for a long time. What it taught me was statistics, risk, priorities and consequence.

I implore you, if you have loved ones that will suffer financially from you not being around, then go and get a free quote or two from any financial advisor or insurance company. It will most likely cost less than you think, it will be affordable and you most likely will not miss the tiny monthly payment.

It’s always better to have it and not need it than to need it and not have it.

About the author

Article submitted by Bryan Farrow owner of several websites including a life assurance blog and a blog on personal finance