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Life insurance is an overcomplicated and sensitive topic as it involves talking about death, leaving your loved ones behind and money. All these are critical areas of life that require proper planning and sober decision-making. That’s why many people in Boise, ID prefer to skip it. However, to understand your needs, you need to be well-versed with life insurance policy types. At Fuhriman Insurance Agency, we recommend learning your needs before buying the policy. To get you started, here are the common myths we thought you should know.
You don’t need life insurance when young
In fact, it’s the exact opposite. Young people have many advantages when they buy life insurance at a young age. It is also true that they need life insurance more than seniors. Remember, as a young person, you still have critical decisions to make, such as getting married, buying a home, or starting a business.
It is too expensive
Millennials in Boise, ID tend to skip life insurance because they overestimate the cost. However, life insurance is cheapest when you are young, strong, and healthy. You can lock in low rates that will remain that way up to the agreed duration. Term life insurance is cheaper and allows you to carry the policy for the amount of time you like.
If you have a condition, you’re not eligible
Just because insurance providers use health and age to determine insurance rates doesn’t mean you cannot buy insurance if you’re diagnosed with a condition. In contrast, some policies are specifically designed for specific health conditions like cancer and diabetes. You can also opt for simplified life insurance that doesn’t require a medical exam.
Let us help you
There is so much you can learn about life insurance, but the most important lesson is that you need it to protect your loved ones financially. If you need more information or help to buy the policy, contact Fuhriman Insurance Agency, and we will be happy to help.