Life insurance is one of the most important types of coverage you can have. It is not something anyone likes to think about, but passing away is one of life’s realities. If it happens unexpectedly when you are young, it can be traumatic in a variety of ways. One of them shouldn’t be how your family will survive the loss of your income. At KC Wilson Insurance & Financial Services in San Jose, CA, we offer full-service insurance planning and financial services.
Life insurance is part of financial planning. For many people, life insurance is not something they know a lot about or think about. Your employer may provide a policy as part of your benefits package. If this is the only life insurance you have, you may be risking your family’s financial future. When was the last time you checked what the dollar amount is on your policy? Have you considered whether it is enough for your family to live on if you are no longer there?
It is a great thing to have a life insurance policy from your employer, but what if you change employers? Where does that leave you with insurance coverage? Many policies won’t payout for a year or two after they are issued. If you change jobs often, it is a much better and safer plan to buy your own life insurance. Consider what you get from your employer as a nice supplement. When you purchase your own insurance, you have control over the amount and can choose from many different options.
Life insurance is too important to leave to chance. At KC Wilson Insurance & Financial Services in San Jose, CA, we can help you develop a financial plan for today and the future. Give us a call to make an appointment to discuss your needs.