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With the highlight these days on healthier living, the drive in our personal lifestyle is focused on staying in shape, eating a proper diet and keeping fit and with this in mind the question we may ask ourselves may be “why would I need life insurance?”

This could be perceived as being simplistic thinking because, really, no one knows what awaits them around the next corner and your lifestyle choice is only one part of the equation. You may very well be a careful driver but that doesn’t stop you from insuring your car.

Now while life insurance won’t give you a new life in the way that your car insurance will guarantee a new car, it will guarantee that the loved ones that you leave behind, the same ones that you worked to support, will have the peace of mind that they will not face financial destitution with your passing.

No, it is absolutely not anything that anyone wants to think about, but it certainly is something that any responsible adult will take time out to take care of, if they truly love the people they care the most for. Losing a loved one is difficult enough when things go smoothly. But on top of funeral arrangements and coping with that loss, think how much more difficult it would be for the person surviving if they also had to think about how they were going to make it through the emotional stress and, on top of that, manage to pay the bills and keep the remainder of the surviving family unit afloat and away from the wolves that might otherwise soon be at the door.

Maybe you are one of the lucky ones that has a huge savings fund resting in the bank, but even that will disappear thick and fast if it not being replenished. If you have any sense of responsibility it is easy to see that getting life insurance while you are still fit and healthy is the smart move.

The fact that you are happily married and have a young family might very well make the idea of dwelling on death too morose. It is exactly due to your situation that you should consider it. These are the very people that you love and want to be with and you have to consider how they would cope if you were not there anymore.

The Webster’s Dictionary defines an Emergency as a “Sudden occurrence demanding quick action.” The key word there is SUDDEN. You don’t wake up in the morning thinking, that you just know that you are going to be involved in a fatal car crash on the way home from work that night. Let’s be realistic, if you knew that, you would call in sick and stay home. Emergencies come at you fast and you usually have no choice in the matter but to react as your instincts tell you and hope for the best Well, the best reaction to life’s big emergencies, especially with the financial obligations that pile up in life, its to cover yourself with a good life insurance policy.

It is widely accepted in sports and wars and everyday life, that a good offence begins with a great defence and in this case the insurance is not just a great defence, it really is the only defence against financially crippling events that are tossed our way when we least expect them.

SO what about you single care free guys and girls out there? You maybe tenants so there is nothing to worry about there and you own a questionable, but paid off or very nearly paid off car and your only real bills in life are the utilities and a couple of moderate limit credit cards. Insurance is a waste of time, right? While it might be true that the bills you have are really nothing to speak of, do you really want to stick your parents with the final expenses? Or would you prefer that everyone think of how responsible you were to get some coverage to make life after your passing easier on everyone?

The choice of life insurance is down to the individual and there are no rules to say that you must get a policy. But if you take a bit of time to consider the possible effects of your death on others you will find that the choice is not a difficult one and that your nearest and dearest will be given the financial help they need should something happen to you.

Last 5 posts by Chris Clare

• What is Critical illness insurance cover? do I need it? - April 30th, 2008
• From where can you purchase life insurance cover? - April 28th, 2008
• Can good mortgage deals and mortgage advice be found online - April 28th, 2008
• Getting a mortgage in the credit crunch - April 13th, 2008
• Whole of life insurance. Its uses. - April 13th, 2008

Tags: Life Insurance