September/October 2016

Are These Life Insurance Hurdles Holding You Back?

Here are 5 reasons they aren't really hurdles at all

BYStaff
You provide for your family and manage finances now, but what will happen when you’re not around? A life insurance policy is an easy way to protect those you leave behind. September is Life Insurance Awareness Month, and it’s a great time to consider options for you and your family. Here are five hurdles that might be holding you back from purchasing life insurance and the reasons they aren’t really hurdles at all.
 
1. It's Too Expensive
Term life insurance might be more affordable than you think. You can get coverage for less than $8 per month*. 
 
2. I'm Not in Perfect Health
Even if your health is less than perfect, life insurance is possible. Medical advances allow you to control common health problems, like high blood pressure, which could help you qualify for coverage.

3. I'm Too Old to Buy Life Insurance
Age is one factor to consider, but your health and habits also matter. Whether or not you smoke or are overweight, for example, can affect the cost of your life insurance policy. 

4. I Have Other Financial Priorities
If you died, who would pay for your other financial obligations? Life insurance is a way to help your family pay important expenses such as funeral costs, mortgages, debts, and even child-care expenses.
 
5. I Have Coverage Through My Job
That policy may not provide enough for your beneficiaries to live on. Also, if you change or lose your job, workplace coverage doesn’t come with you. The safest way to take care of your family is with a personal policy.

 
*Term rates based on 10-year $100,000 term policy, 35-year-old female, best class for non-nicotine. AAA Life Insurance Company has a rating of <A-> <Excellent>, the <4th highest ranking out of 16>, by A.M. Best Company as of<July><2016>. Life insurance underwritten by AAA Life Insurance Company, Livonia, MI. AAA Life (CA Certificate of Authority #07861) is licensed in all states except NY. Products and features may not be available in all states. Policy Form Series ICC111201/TL1201 (In OR: ICC111201).
Are You Covered? 
For more information about Express Term, Traditional Term, Whole, and Universal Life Insurance, contact a AAA Life Insurance agent toll-free at 1-888-833-5281 or visit AAA.com/life.
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