Page 18 - Abacoa Community News '23

Page 18, Abacoa
Financial Focus ®

What Does It Cost Not To delay in acquiring appropriate insurance can be costly As its name suggests, term insurance is designed to
Yet, while this confusion may be understandable, a
provide coverage for a designated period, such as 10 or
Have Life Insurance? in more ways than one. From a strict dollars-and-cents 20 years. Generally speaking, term insurance is quite
perspective, it’s generally much more affordable to affordable for most people, especially when they buy
By Sally Sima Stahl buy life insurance when you’re younger. But there are policies as young adults. On the other hand, permanent
It’s probably not on your potentially much greater costs involved in not having insurance, such as whole life or universal life, is usually
calendar, but September is insurance when it’s needed — and these costs are considerably more expensive than term insurance. This
Life Insurance Awareness personal. is because permanent insurance premiums, in addition to
Month. And that means To be specific, what is it worth … providing a death benefit, help build cash value, which
it’s a good time to become … to know your family could stay in your home if you can typically access through loans or withdrawals,
more aware of the benefits something happened to you? giving you additional flexibility should your financial
of having life insurance … to know your children could continue their needs change over time. In choosing between term and
– and the dangers of not education plans? permanent insurance, you’ll want to evaluate several
having it. … to know your debts could be paid without burdening issues, such as how long you think you’ll need coverage
U nfortunately , your family? and how much you can afford to pay in premiums.
confusion about some of Clearly, if you were to assign these benefits a “price Finding out about the benefits, costs and types of life
the basic elements of owning life insurance may be tag,” it would be pretty high. insurance can help you make informed choices to help
keeping people from getting the protection they need. And that’s the value of owning sufficient life protect your family for years to come – so don’t delay
More than half of uninsured Americans say they have insurance. learning what you need to know.
put off purchasing coverage because they don’t know So, let’s return to the issue of people putting off buying This article was written by Edward Jones for use by
what to buy or how much they need, according to Life insurance because they don’t know how much they need, your local Edward Jones Financial Advisor, Edward
Happens and LIMRA, two nonprofit organizations that or what type they should have: Jones, Member SIPC.
provide research and education about life insurance. • How much is enough? You might hear that you need Edward Jones is a licensed insurance producer in
life insurance equal to about seven to 10 times your pretax all states and Washington, D.C., through Edward D.
Identify Dyslexia annual salary. That’s not a bad “ballpark” figure, but not Jones & Co., L.P., and in California, New Mexico and
everyone is playing in the same ballpark. To get a true
Massachusetts through Edward Jones Insurance Agency
of California, L.L.C.; Edward Jones Insurance Agency
sense of how much of a death benefit you require from
Early your life insurance, you’ll need to consider a variety of of New Mexico, L.L.C.; and Edward Jones Insurance
Agency of Massachusetts, L.L.C.
factors, possibly including your current income, spouse’s
Edward Jones, its employees and financial advisors

income, the size of your mortgage (in addition to other
liabilities), number of children, educational expenses and cannot provide tax advice. You should consult your
By Jim Forgan, Ph.D., final expenses for funeral arrangements. qualified tax advisor regarding your situation.
School Psychologist • What type? You can essentially choose between Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
Dyslexia can be two basic types of life insurance: term and permanent. 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
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