Winter is in full swing and winter may mean snow and ice, but it can also mean the flu and colds. Gross weather, freezing cold temperatures, and all those germs being spread around the office or classroom has us thinking about health. What are you doing to stay healthy? What are you doing to keep the kids healthy? Best practices, like washing your hands and loading up on your vitamin C are a must for this time of year, especially.

“What does health have to do with insurance?” is something you may be wondering. Health, is one factor when it comes to life insurance and we think it’s a great time to think about life insurance The common cold isn’t anything serious, but while you are relatively healthy, think about life insurance. Just like any other type of insurance, it’s important to be proactive and obtain coverage before it is too late.

In addition to health, there are many other factors in determining health insurance. There are also a lot of questions about life insurance. Life insurance is a difficult subject and it tends to be something people put off, but it should be something that everyone talks to their insurance agent about. Find out your options, how much coverage you may need for you and your family, and get a quote to find out how much it would cost you. Even those that have life insurance through work should consult an agent. What happens if you lose your job and is that coverage offered enough for your life?

Below we take a look at some of the questions you should ask and some answers you should know about life insurance and your options:

What are you options when it comes to life insurance?

whole life insurance and team life insurance are the options. Whole life grows in cash value over time, but is more expensive as well. On the other hand, Term Life Insurance costs less, but does not grow in cash value. As the name states, term life insurance also is only for a period of time. Maybe you have a term life insurance policy until

What can life insurance cover?

Life insurance can help your family pay funeral costs, can help pay for childrens’ education, and lost wages or earnings. All of these items can add up and without the help of life insurance could leave your family in debt, having to sell your home, or worse.

How Does Health Affect Your Life Insurance?

To put it simply, anything that makes you less risky is good for your life insurance rate. For example, having a favorable height to weight ratio and being a non-smoker could both save you money. They would also need to know if you were on any medication and about your family’s health. In addition, your age would also be a factor.

When is the best time to buy life insurance?

Fact: life insurance is less expensive for young people. This means the younger you get it the better off you are. Also, big life events make a great time to buy life insurance. Some examples are if you are getting married, having a baby, buying a home, etc. Those are all scenarios that involve others depending on you or major bills. Life insurance can offer the people around you help if something goes wrong.

Why is it important for someone with a family to have it?

One of the reasons a lot of people with children get life insurance, aside from the obvious, is that it could help pay for college, pay off the mortgage and loans. life insurance can help your family continue to live a life they are accustomed to if something were to happen to you. The average funeral can cost $6,000 to $10,000. Having life insurance can help your family in the event that they need to pay that.

Life insurance is a touchy subject, but as your insurance agent we must inform you of just how much it can do for your family if something were to happen to you. Unfortunately, we can never predict what will happen and it’s important to prepare for the worst. Give our agents a call today at 888.865.1244 and they can help guide you to the right life insurance policy for you and your situation.