Planning for a Death: Things to Do Ahead of Time

There are certain things in life that no one wants to think about, much less plan for.  I can’t say that I’m counting down the days to my next dentist appointment.  Surely most of us don’t look forward to Mondays.  But, we all know that dentist appointments and Mondays are always coming, and the more prepared we are for them the smoother they tend to go and the better the results.

What about death?  No one wants to think about their death or the death of a loved one.  However, we are all eventually forced to face our own mortality.  The better prepared we are, the smoother and less painful these events can be for us and our loved ones.

Life insurance is a key component in planning for the future of our loved ones and ourselves.  I would like to share a short checklist of items we all need to keep in mind as we use life insurance to plan for a death.

Understand how the policy works: Not all life insurance policies work the same way.  Some policies are term life insurance policies, meaning that they only last for a set period of time.  Others can have death benefit values that can increase or decrease depending on different factors, such as how the markets are doing.   Some may even have riders that affect how the policy works.  Study your policy.  Make sure you know what it covers and what it doesn’t.  Look for information on how it works once you or your loved one passes away.  Help the beneficiaries understand how the policies work.  Speaking of…

Know who is a beneficiary, and update if necessary: Every life insurance policy has one or more designated beneficiaries that are assigned by the policy holder.  The beneficiaries are the ones that receive the death payout once the insured passes away, and thus are important in the whole process.  Check to see who is listed as beneficiaries on the policy.  Make sure their information is correct and up-to-date.  If necessary, the owner of the policy can make changes to their information, or even change the beneficiary to someone else.  Make sure these beneficiaries have a copy of the policy.  As with anything related to a policy, always feel free to reach out to the agent for any questions.

Keep your policy active: This is probably pretty obvious, but is extremely important: make sure the policy is kept active and paid current!  Many policies have a grace period for if the payments are running a little late, but passing that puts you at risk of have the policy lapse.  Once something like that happens, reinstating it can result in the premiums going up and having to go through the underwriting process all over again.  Sometimes, depending on the situation, the policy may be lost forever.  Imagine thinking that your loved one had life insurance coverage, only to find out they let it lapse long ago and now you have to come up with funeral funds yourself.  No one wants to do this to those we care about, so don’t.

Following these tips can help make the process so much smoother and less painful when the time comes.  I know it’s hard, but we all need to plan for our deaths and the deaths of our loved.  I would encourage everyone to listen to these tips and prepare for the inevitable.

…also, stop putting off the dentist…

Blog written by: Andrew Jordan, Creative Marketing Specialist II for Sentinel Security Life Insurance Co.

Do I Need Life Insurance If I Am Single?

Life insurance is a wonderful thing.  It can serve as the perfect safety net for when an unexpected tragedy hits both a family and its finances.  Instead of having to pay for a funeral, living expenses, and more while losing a significant portion of your income, you can rely on the insurance policy your spouse took out.

But since I am single, I don’t need to worry about life insurance, right?

This is a common misconception that many singles have about life insurance.  They believe that it is designed for spouses and families and see no value in it for them.  However, life insurance is not just designed for married couples, but for all of us.  There are many benefits to life insurance for singles, just like there are for everyone.  Let’s break them down.

To start, take a look at the most obvious point: just because you are single now, that does not mean that you will always be single.  Many people reach a point in their lives where they meet someone, get married and start a family.  At this point your family becomes your responsibility.  Part of that responsibility is making sure that they are taken care of in the event that you die.  Thus, life insurance.

But there are those that choose to be single for their entire lives.  What about them?  Well, regardless of your marital situation, your mortality remains.  At some point in the future we all pass away.  Someone will have to pay for our final expenses, whether family, friends, or whoever.  I would not want to leave them with a massive bill without providing them a way to pay for it.

Let’s step away from being so morbid for a minute and assume our expiration date is somewhere in the distant future.  Even so, as we advance in age, our health is most likely to decline.  The two biggest factors in your life insurance premiums are age and health, meaning that if we start a life insurance policy while we are younger and healthier, our premiums will be significantly less than if we wait until these factors are already a large problem.

Think about this, too: just because we do not have a special someone in our lives does not mean we do not have financial responsibilities to others.  Maybe Mom and Dad will need someone to provide for them as they go up in years.  Maybe we enter into a business venture with a friend or business partner.  What happens to these people if we leave this world sooner than anticipated?  Life insurance can help mitigate the damage.

Life insurance is a powerful tool for all of us, whether young or old, single or not.  Don’t let anyone fool you into thinking that it is only for certain people in certain conditions.  It can benefit all of us, regardless of our circumstances!

Blog written by: Andrew Jordan, Creative Marketing Specialist II for Sentinel Security Life Insurance Co.

The Benefits of Having an Agent

There are certain occupations that carry a negative connotation.  We always seem to have a hard time trusting used car salespeople, lawyers, or politicians.  Sometimes these fears are valid.  Maybe you have experienced buying a used car only to have it fall apart on you a week later.  Maybe you voted for someone who then seemed to turn their backs on the very people that voted them in.  I myself have had a run-in with a lawyer that seemed more concerned about money than assisting one of my family members in a messy divorce.  How do you come back from that?

So, here’s the thing: insurance agents are sometimes grouped into the same category as those mentioned above.  Maybe some of these fears are valid.  Maybe you have had an experience similar to something described above.  I definitely do not want to dismiss these valid concerns.  However, we need to keep in mind that these incidences are few and far between.  We can’t allow a bad experience to ruin not only what would be a smart choice in getting life insurance, but also what could become a very great (and fruitful) relationship with a good agent.

Insurance agents are not only kind, honest and hardworking people most of the time, but also come with skills and knowledge that the savvy client can use to make the wisest choices in regards to their life insurance.

Let’s look at these points in greater detail.

To be an agent requires a great deal of dedication and motivation.  Agents find success through putting the needs of their clients first, always being available for their clients’ needs, and providing honest and informed suggestions.  Agents that lack in these skills usually do not remain agents for long.  I have heard agents describe their clients as though they were their extended family.  They understand the importance of having a strong and lasting bond with us, and truly looking out for our well-being.

On top of this, agents are a fountain of knowledge for insurance products.  Thanks to required trainings, licenses, and their own studies, they know these products inside and out.  Combining their knowledge with your needs allows them to help you make the best choices for you and yours.   Navigating the waters or financial security can be a tricky and confusing process.  These agents can help guide us through these waters to the results we want.  Why would we not take advantage of that?

A benefit that agents grant us that is often overlooked is agents stick by us for the long haul.  The process does not just end as soon as a policy is purchased.  The agents are always there to assist with any questions, concerns, or changes that come up.  These people can and do serve as your advocate, helping you get through every process from underwriting to filing a claim.

Agents truly are a great resource that all policyholders can have, but, truth be told, they’re not the only resource.  Behind every great agent is a great carrier.  Most carriers can also offer you many important services, such as customer services, claims processing, etc.  We here at Sentinel are always happy to speak with and assist our customers in any way that we can, and coordinate our efforts with our agents to make sure that all your needs are taken care of.

Life insurance is something that everyone needs to take seriously.  With that being the case, why wouldn’t you want to work with someone as described above?  Like we briefly covered before, agents can help guide us towards making the best choices we can when it comes to these important financial decisions, and in many cases can lead to lasting friendships.  Don’t go into such an important task without help.  Seek out an agent.  They can help you make the right choices.

Blog written by: Andrew Jordan, Creative Marketing Specialist II for Sentinel Security Life Insurance Co.

Life Insurance: Why Now is Better than Later

Being a young adult these days is hard.  Life throws so many things at you with blinding speed: work, spouse, kids, mortgage, etc.  Here we are, expected to be able to run with these things, when just a few years past we had to ask for permission to use the restroom at school.  While some of us can easily switch from band shirts and headphones to dress shirts and ties, we can all agree that oftentimes it feels like it takes all our time and energy just to keep up with an adult life’s pace.

With this being the case, it is easy to overlook something as vital as life insurance.  We are already juggling around so many other things.  Why tempt fate by throwing in another ball, right?  I will take care of that stuff somewhere down the road.  Besides, isn’t life insurance something retired people are supposed to be worrying about, not 20 to 30 year olds?

Nope.

The best time to get life insurance is while you are young.  But, regardless of your age, the time to get life insurance is now.  Contrary to what you may hear, life insurance isn’t something you start working on once you are getting up there in years.  Let me explain why.

The most prominent reason is that the older you start, the more your premiums will cost you.  In general, life insurance premiums get locked in when you start, while the amount of the premiums are based on your age when you start.  The premiums tend to have a slight increase based on your age up to age 40, but once you get past that, the increases go way up.  Starting while you are in your 20s versus your 50s or 60s could be the difference between paying $13 a month to $50 a month or more.

Make sure you consider this as well: the time between when we start working and when we retire are our prime earning years.  This is the time when we progress our career and save up the money to take care of ourselves and our loved ones once we decide to call it quits on our jobs.  I don’t want to be Mr. Negative here, but suppose the worst happens and you pass away well before you and your family were planning on?  What about all the money you would have been able to earn and save and provide for your family?  While life insurance doesn’t take away the pain of loss, it can at least mitigate the financial damage done by such a disaster.

Let’s be honest: one of the main reasons that we may choose to put this off is because money is generally a little tighter when we are younger.  So, while life insurance is cheaper if we start young, we may still think it is outside of the realm of financial possibility.  Usually, this isn’t the case.  Most people are actually pretty surprised to find out how cheap life insurance can be for young and healthy people.  Take the example from above.  Say your premiums are $15 a month for decent coverage.  That is about $.50 a day.  I think most of us should be able to afford safety and security for $.50 a day.

Life insurance is important.  No one like to think about their own mortality, but we need to face reality.  Sadly, we are not kids anymore.  It is time to make mature and responsible decisions to protect ourselves and those we care about.  We cannot allow ourselves to be without life insurance.  Now is the time.  Don’t put it off.  I promise you will be happy you didn’t.

Blog written by: Andrew Jordan, Creative Marketing Specialist II for Sentinel Security Life Insurance Co.

Do I Need Life Insurance When I Retire?

Sweet, sweet retirement!  This is something I dare say most of us look forward to.  Finally a time to put down the workload and instead take up the sunhats and passports.  I don’t care what anyone says, Bermuda is lovely any time of year.

Once we finally get to that goal, one of the last things we want to worry about is our financial security.  Yet, perhaps this is when we need to consider it most.  As far as life insurance goes, there is a common belief that it is no longer needed once we reach retirement.  In some cases, this is true.  However, many of us may still find ourselves with a strong need for life insurance even after our working years.

The most obvious reason to keep your life insurance after retirement would be for income protection.  Just because we have retired does not mean our loved ones won’t experience a financial loss once we have kicked the bucket.   We need to ask ourselves “Would the people left behind after I die be stuck with a huge bill?  Would they experience a significant loss of income?”  If the answer to this is yes, then life insurance is definitely the way to go.

What about those of us that wouldn’t necessarily be leaving family in a difficult financial situation upon our death, but do not want them to have to deal with funeral planning/expenses or additional income to work with?  There are also the unexpected events to plan for.  We could all use a rainy day fund, right?  Life insurance like Sentinel’s Final Expense policies work perfectly to pay out to your beneficiary a flat amount for funeral costs or whatever else they might run into.  I know that after I am gone, I would like to leave my spouse with a final gift of sorts.  Maybe money to go on that trip with the kids in my memory, some work on the house, or maybe even just an emergency fund.  A final gesture of love, if you will.

Moving past this, there are those among us that reach retirement age but don’t have enough saved up to pay for our living expenses.  Again, life insurance can come to our rescue.  Many life insurance policies build up cash value alongside the death benefit.  You can borrow against this to fund your retirement.  However, you need to keep in mind that what you borrow does lower your death benefit, but this at least gives you the ability to continue to provide for your family during retirement.  I wouldn’t recommend using this as a first option, but if you are in this situation and you have been paying towards a life insurance policy for many years, it is typically an option available to you.

One final point I would like to make: Life insurance can be used as a safety net from retirement plan investment losses.  In the United States, a lot of us save up for retirement using investment options that either go up or down depending on the markets.  In the event of a stock market crash or downturn, we have the potential to lose painful amounts of money meant for our later years.  We can not control how the markets fluctuate, but we can use life insurance as described earlier to protect us regardless of the upticks and downturns on Wall Street.

The last thing any of us want to do is reach retirement and not find ourselves laying on a beach chair somewhere in the Caribbean without a care in the world (or maybe that’s just me?).  Whatever your retirement goals may be, life insurance can help you achieve them not only before but also during your retirement years.  Plan out your retirement goals and incorporate life insurance into them to make sure you and your loved ones are taken care of regardless of what happens.

Just something to think about the next time you’re fantasizing over a piña colada.

Blog written by: Andrew Jordan, Creative Marketing Specialist II for Sentinel Security Life Insurance Co.

Does Life Insurance Cover Funeral Costs?

Death.  It is something that eventually comes for all of us.  Whether young or old, rich or poor, we all will eventually find ourselves slipping out of this life.  Believe me, this concept doesn’t excite me any more than it does you.  However, as we consider our inescapable mortality, we need to make sure that we are seeing the big picture: there’s a lot more at stake than just our own selves.

The last thing that any of us want to do when we kick the bucket is leave our loved ones with massive debts, such as a mortgage, college tuition, or basic living expenses.  Covering these types of expenses is the main idea behind life insurance.  But, there is one expense (and typically a large one) that we often fail to consider: funeral costs.  An average funeral in the United States can cost between $7,000 to $10,000.  Adding this to the expenses mentioned earlier could end up being catastrophic to your family’s finances.

Source: http://www.usurnsonline.com/funeral-resources/10-interesting-funeral-infographics/

Luckily, life insurance does exist, and it can indeed cover funeral costs.  In general, the way that life insurance works is like this: When a policy is issued, the policy owner chooses someone to be the beneficiary of the policy.  When the insured person passes away, this beneficiary submits a claim to the insurance company, and the insurance company pays them the proceeds.  From this point on, the beneficiary is free to use the funds as they deem appropriate, including for funeral expenses.

With this being the case, the real question becomes this: “Do i have enough coverage to pay for my funeral expenses?”.  It’s a little too common for beneficiaries to find out after the fact that the life insurance policy doesn’t cover everything that is needed or was planned for.  Without careful planning, there may be out-of-pocket expenses loved ones could get stuck with.  I would definitely encourage everyone with a life insurance policy to plan out their funeral beforehand with a funeral director.  Make sure you understand the specific costs of the services you want, and plan your life insurance policy with that in mind.  Some funeral homes will even allow you to assign them as the beneficiaries of a policy.  This way, the benefit is paid directly to them and you don’t even need to get involved during a difficult time.

To many of us, life insurance may seem quite expensive and perhaps not worth paying the premiums to later receive the promised payout.  While I would disagree with such a thought, I can understand larger premiums taking a toll on a family’s livelihood.  Insurance companies are aware of this, and many have created what is referred to as a Final Expense policy, where the benefits are designed to cover funeral costs and premiums are generally quite lower.  Sentinel Security Life offers such policies under our “New Vantage” life insurance products.  If this fits your needs more than having larger and more expensive coverage, seek out a Sentinel agent near you.

Life insurance is a great and powerful tool that can save families a lot of grief and headaches during a time that should be spent on more important matters.  Combined with a little bit of planning and thinking ahead, you can have all funeral costs taken care of and only concern yourself with making sure your policy stays current so it can be utilized when the time comes.  We all want to take care of our loved ones while we are on this earth.  Make sure that you are continuing to care for them even after you’re gone.  Use life insurance.  I promise you it’ll make a hard situation a little bit better.

Blog written by: Andrew Jordan, Creative Marketing Specialist II for Sentinel Security Life Insurance Co.

Can I Have More Than One Life Insurance Policy?

Life insurance can be an interesting thing. There are many rumors and misunderstandings that surround it.  Do only breadwinners need coverage?  Are my premiums deductible?  Am I better off investing my money?  However, there seems to be one question in particular that has many people feeling lost: can/should I have more than one life insurance policy?  The simple answer to this question is yes, with a few limitations.

While insurance is heavily regulated, it is completely legal to own more than one life insurance policy. It is, in fact, a common practice of those with knowledge of the insurance industry.  The restriction doesn’t lie in how many life insurance policies you own, rather in how much coverage total you have compared to your assets, income, and other financial responsibilities.  When you apply for a life insurance policy you must disclose to the insurer all coverage you have, and possibly justify why you feel you need to coverage you’re requesting.  In general, these limitations are considered generous and most people won’t run into an issue acquiring multiple policies.

With that being answered, the natural next question to ask is “Should I, though?” While the answer will vary for every person and their situation, most would benefit from having multiple policies.  Many life insurance policies complement each other, such as final expense policies and term life policies.

Let’s use a few examples: Suppose a mid-age husband and father seeks coverage.  He may elect to purchase a larger term life insurance policy should something happen to him over a set number of years, while also taking out a smaller but permanent final expense policy to assist his family with covering funeral and burial costs.  Let’s say a mother initially took out a life insurance policy when it was just her and her husband, but now has added children to the family and has determined that her current coverage isn’t enough?  She may elect to take out an additional policy to increase her total coverage.  Since there isn’t a limit to the number of policies you can take out, it is easy to combine policies to create the coverage that you need.

It’s important to remember the purpose of life insurance. Should something happen to you, the last thing that you would want is for your family to be put in a difficult financial situation.  Oftentimes, having a single policy isn’t enough to cover the everyday expenses like a mortgage, daily necessities, or educational expenses.  Make sure you consider the benefits of multiple coverage while doing your financial planning.  Should you have any questions or thoughts about taking out additional life insurance policies, reach out to a trusted insurance agent or insurer.  Doing so now may make a world of difference when it counts.

Blog written by: Andrew Jordan, Creative Marketing Specialist II for Sentinel Security Life Insurance Co.

Financial Planning – Never Too Young to Start

Millennials have become adults in a very interesting time: in our years, one could argue we have seen more than our fair share of economic upticks and downturns.  Having been fortunate enough to grow up in a time where information is readily available (thanks, Internet), I’m sure that most of us are already familiar with this roller coaster of economic stability.

Many of you were probably like me: put huge amounts of time and effort into your schooling to receive that coveted college degree and stepped out into the world to take on its challenges, only to find yourself stuck in the middle of a recession with high unemployment rates.  That “dream job” that was supposed to be waiting for you at the other end of that collegiate career is not there for the taking.  You find yourself searching a lot longer than you expected to in order to get started down your path to financial security.
When you finally get yourself a solid job and steady income, it’s easy to want to put that money toward immediate rewards that you worked your butt off for. Planning ahead for the future might slip into the backseat.  “Europe and that 4K TV have already waited long enough.  Retirement is such a long ways away. I’ll get to that eventually.”
Cue the meme of Kim Kardashian rolling her eyes.
Financial planning and strategy are just as, if not more, important to our generation than it was to those who preceded us.  Unless we have a solid playbook of how to get to where we want to be financially, it is frighteningly easy to not make it there.  Please thoughtfully consider some of the following tips to help set yourself up for financial success.
All achievements are met by first considering what you want to accomplish.  Money is a tool and if you use it correctly it can get you to where you want to be.  Is your goal to be able to set enough aside to start your own business five or ten years down the road?  Maybe your heart’s desire is to retire at 55 and see the world?  Maybe even take some trips before then?  Make sure you understand where you want to be.
Understanding your goal is vital to do now for one simple reason: time.  With the oldest millennials being in their early 30s,  we have plenty of time until we reach the age where we are no longer able (or willing) to work.  Plenty of money can be made in various forms during this time.  Salaries, benefits and investments can strongly contribute to your comfort later in life.
With time on our side, one would be wise to set up a retirement plan.  Are you familiar with the term “compound interest”?  If not, make sure you give it a quick look online.  Setting up a 401K (offered through many employers), traditional or Roth IRAs, or annuity can take your money and multiply it many times over.  Each one comes with its own benefits and restrictions, so make sure you research which plan is best for your interests.  You’d be amazed at how just putting in small amounts now can become huge sums later.
Budgeting.  To many, just hearing the word is enough to make them cringe as if they just jabbed their toe.  Fewer have the willpower to stick to one, but those that do reap the benefits.  I myself have found that this is not only a great tool for setting up long-term goals but short term ones as well.  Maybe Europe doesn’t have to be so far away.  Setting aside a bit of money each paycheck instead of, say, going out to eat 7 nights a week, will make vacations and larger purchases achievable without sacrificing your future financial safety net.
This is all assuming the road ahead is straightforward, but life tends to steer you in different directions. All it could take is one bad car accident or losing your partner to make it so you are no longer able to earn the living you were. There is one form of financial planning that not many people our age take seriously: life insurance.  With death feeling so far off, it’s natural to not consider planning for it.  Life can unfortunately be disastrous at times, and the last thing we want to do is leave our loved ones in a position of not only mourning, but financial difficulty.  Life insurance can help to alleviate the pressures and stresses that a family suffers through during a death.
I hope you were able to get something valuable from what you have read here.  We have many challenges in front of us, but I feel we are more than up to the task.  By following through and applying smart and strategic financial planning, we will be able to make sure that money isn’t something we’ll have to worry about throughout our lives.
 Blog written by: Andrew Jordan, Accountant for Sentinel Security Life Insurance Co.

Work-Life Balance

Thinking about what I want to accomplish and setting goals happens at the beginning of each new year. Often my ‘resolutions’ are not as resolute as they should be to impact lasting change, and many trickle off by February and are forgotten. However, one thing that never changes is planning my annual camping trip; the only consistent trip I take during the year.  Who can blame me when there are views like this to enjoy?

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We stay in a place that is outside most cell phone coverage, which is the best part of my camping trip.  It is time completely unplugged from all distractions. I spend my time reading in my favorite hammock, cruising around on my dirt bike, fishing, painting, or just hanging out in the shade with a plate of delicious food chatting with family.

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You may be wondering why I have told you all about my favorite trip of the year. Taking an annual trip to the place I love the most is one way I have found to unwind, recharge, and refocus on my priorities.  I regain my equilibrium and re-energize to face the stress of life.

3So what does this have to do with goals or setting up proper work-life balance? Why is it important to practice work-life balance?  Does such a thing actually exist?  Below are five things I try to do.

  1. Prioritize and Plan — while this may seem obvious, I have learned that preparation helps alleviate much of the stress of last minute changes. Planning ahead is essential at work because much of what I do depends on or affects my coworkers’ projects. Now for the “life” side of planning ahead. Does it really matter if I plan what day I’m going to do my laundry?  For me, it does.  I have a schedule for when I will complete certain tasks such as laundry and frozen meal prepping which helps me instantly identify what time I have available for the inevitable emergencies of life. (By the way, my favorite “emergencies” often involve chocolate and a good book!)
  2. De-junk, De-clutter, Delete — this is a new one for me. I have recently discovered the freedom of just simply getting rid of excess— not only is there more physical space in my environment but I have found that the more neat and tidy my space is, the easier it is to maintain my balance and stay centered on what is most important.
  3. The Power of a Positive No — learning how to say “No” is a great way to maintain balance at work. Saying no, or communicating concerns and limitations can help management adequately plan time and set expectations for project completion.
  4. Relaxation, Meditation, and Laughter — As a naturally artistic person, spending time creating something new is my way of relaxing and de-stressing. Journaling, reading, watching movies, cooking, gardening, spending time with friends and families, and even cleaning are all ways of relaxing—you just have to find what works for you. Meditation or mindfulness is also useful for maintaining balance. Just don’t forget to laugh! Laughter releases endorphins that will help you feel better.
  5. Vacation — last on my list, but just as important as the rest is a vacation! Although my camping trip is my favorite vacation during the year, I try to plan ahead to spread my vacation time throughout the whole year. Taking a day off here and there throughout the year can really help to keep a fresh perspective and balance.

Hopefully these tips help you find your center and balance work and life to create an amazing future.  I still have a lot to work on but it just takes one step at a time.  (Or in my case, one long ride through the mountains!)  Good luck!

Blog written by: Jennifer Tolman, Creative Marketing Specialist for Sentinel Security Life Insurance Co.

Saying Goodbye to Dad

Losing my dad to cancer was one of the toughest things I have had to do. The emotional and physical toll the death of a loved one has on the individual and family is exhausting. If that is not enough, you then have the financial responsibility of planning a funeral fitting of your loved one.

We had some money. Dad had a life insurance policy, but because it was acquired less than two years before his passing, we only received $500; not much to work with. Mom told me that they had tried to plan ahead by purchasing the policies so the family wouldn’t have to worry about final expenses, but as life goes you can’t plan for cancer.

The funeral was a loving tribute to my dad as a husband, father, and military veteran.  The whole experience opened my eyes to a part of losing someone that I hadn’t thought about before…finances. I am glad my mom has a life insurance policy. After Dad passed away, we realized we needed to do something different so we purchased additional insurance for Mom to cover not only the burial but also any outstanding debt she may have when she passes.

Going through this process showed me that it is an easy process and the benefits are very high. The value of life insurance is not something we often think about but I’m so glad my parents started planning ahead. Having learned from this experience I will never again underestimate the importance of life insurance.

Blog written by: Revellie Pope, Senior Underwriter for Sentinel Security Life Insurance Co.