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2 May, 2018

1000’s of Reasons to Buy Family Life Insurance

Family Life Insurance

 A generation ago, unexpected loss of a loved one could be seen as an isolated situation. But today we hear of stories of sudden death happening more regularly. Have you protected your family financially with family life insurance, if there is a sudden death.

Sudden Death

Almost 7,000 deaths were registered in Ireland in the third quarter of 2017, according to figures from the Central Statistics Office.

  • Of the 6,987 deaths registered, 3,608 were male and 3,379 were female. This represents a 2% decrease on the number of deaths registered in the same period in 2016 – 7,129. It equates to a death rate of 5.8 per 1,000 of the population.
  • Diseases of the circulatory system accounted for 2,090 deaths in the third quarter of last year. This is an annual rate of 1.7 per 1,000 of the population. Of these deaths, 986 were due to heart disease and 389 were due to cerebrovascular disease (such as stroke).
  • During the same period, there were 2,185 deaths from malignant cancers. This is equivalent to an annual rate of 1.8 per 1,000 of the population.
  • Deaths from chronic lower respiratory disease numbered 328. Pneumonia accounted for 215 deaths and 276 deaths resulted from all other respiratory diseases.

Sudden death of a loved one can cause heartbreak, so much grief and acute financial crisis. We often put off thinking about or buying Life Insurance. Yet when we hear of someone we know who has passed away suddenly and too early this allows us to see the cost of putting off buying life insurance in a whole new way. The truth is, life can be breathtakingly uncertain, but the financial impact of a sudden, unexpected death can be detrimental. With life insurance, you can know—without the shadow of a doubt—that if you or your spouse or partner died unexpectedly, your family would be financially secure. And you can know that for less than a €10 per month.

Choose the Best Scenario for Your Family Today 

Which model would you choose for your family during a time of intense stress? As it turns out, the time to choose is actually now, when tragedy is the furthest thing from everyone’s minds.

You can choose to put a financial buffer in place today, so that your loved ones will never have to fend for themselves after an unexpected loss. And you can make this choice for less than the price of a daily coffee.

As a point of reference, if you’re a healthy 30-year-old who doesn’t smoke, you can get a 25-year, €250,000 level term life insurance policy for about €17 a month. As you age and your health changes, the premium to get a life insurance policy increases, so it makes sense to buy coverage—and lock in the low price—when you are young and healthy.

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