The Details of a Term Life Insurance Policy
If you are the sole provider for your family, have you thought about what would happen if your time was suddenly up? How about the aftermath of an accident that happened and left your family reeling from your loss, not to mention coping with mountains of bills—including a heavy mortgage payment—and no way to pay them? Sooner or later, leaving your family behind will happen, whether from unforeseen circumstances or old age. It is wise to start planning for the future and how to take care of the people you leave behind, which is where life insurance comes in.
Life insurance is primarily grouped into two types: whole and term life. While there are many benefits to covering yourself and your loved ones with a life insurance policy, term life insurance has some specifics to it that makes it a great option. Whole life insurance is permanent and will last for the insured’s whole life—with the beneficiary provided for upon the insured’s death—while term life insurance is an alternative option that will help to save you money. With a term policy, you, as the insured, pay low-cost premiums for a certain period of time for which you are covered. In the event you pass within that time frame, the beneficiaries will be paid the benefits of your policy. Now, as the primary “breadwinner” in your family, you won’t have to worry about how your loved ones will stay protected.
Why should you consider term life insurance? For one, it functions as a very affordable insurance option that will keep your spouse, children, or other dependents financially secure in the event of your untimely death. If you are the main source of income for your family, it is important that you are covered, as your loss can mean financial ruin for your loved ones. Term life will also help those you love pay off debts that you may leave behind, alleviating a large burden from them. Without the term policy, it will be much harder for your family to reconcile debts or plan for their own financially secure futures.
This summer, as you plan for your future, consider a term life insurance policy. After all, there are many benefits when it comes to peace, security, and stability for those you most care about. And that is something money cannot buy. Protect Your Health by Avoiding Sun Exposure During the summer, there is nothing wrong with spending a little bit of time in the sun. In fact, the sun helps the body create vitamin D. However, you always want to look out for what will be in the best interest of your health and well-being – and excessive exposure to the sun’s UV rays can increase your risk of skin cancer from the sun. The good news is that there are a number of things that you can do to decrease your chances of skin cancer.
Avoid the Sun During Midday – The sun’s harmful ultraviolet rays are usually strongest between the hours of 10 AM and 4 PM, which is why you should try to avoid going out in the sun during those times. However, if you anticipate that you must go out during those times, then you should make sure you wear sunscreen. A good sun block has a sun protection factor, or SPF, of at least 15. If you have very fair skin or have had a history of sunburns, then you should wear a sunscreen that has a SPF of at least 30.
Wear Protective Eyewear – The sun not only damages your skin, but it can also damage your eyes. Studies have shown that excessive sun exposure can increase the risk of cataracts later in life. When selecting sunglasses, you should think about more than just fashion and should also choose shades that have UV filters.
Check the Medications That You Use – It is important to note that the use of certain medications may increase your skin’s sensitivity to ultraviolet rays. Acne medications, antibiotics, and even some milder over-the-counter medications may put you at a greater risk for suffering sunburn. Ask your doctor or pharmacist if the medication will increase your skin’s sensitivity to the sun. If so, you will need to use a sunscreen with a higher SPF and wear sun protective clothing.
Liberty Insurance Associates wishes you a healthy and happy summer. Be careful out there during the summertime months – enjoy the sun, but remember to stay protected. Safety first!