Life insurance is a vitally important thing for anyone to have, but especially for people over the age of 55 when health problems can start to become more prevalent. From high blood pressure to obesity to diabetes, there are a wide range of health conditions that need to be a top priority for many people.
Life insurance provides individuals with the peace of mind knowing their family will be cared for should anything happen to them. Life insurance companies will work with you to make sure you have an adequate amount of life insurance, so that your loved ones can maintain a consistently quality of life.
Statistically, one in three adults in the United States are pre-diabetic and don?t even know it. That means they may be making food and activity choices on a daily basis that are working against their health and making them sicker.
In addition to diabetes, heart disease is a significant problem for many Americans. Over 80% of people over the age of 65 die from heart disease making it one of the leader killers in the country. There are a number of daily changes you can make to decrease your risk of developing diabetes and heart disease, but you need to be aware of your health status and aware of what it means for you to eat healthy.
It is recommended that an adult eat two servings of fruit each day and 2.5 servings of vegetables each day. Further, adults should get an average of 21 grams of fiber each day in order to maintain a healthy digestive system.
Medical expenses can add up fast and quickly become overwhelming. The last thing you want to do is leave your family with the grief of losing you and a mountain of medical bills. According to recent estimates, over two-thirds of all medical costs are associated to chronic illnesses such as diabetes and heart disease, which plagues over 80% of older adults in the United States.
While staying healthy is essential to having a long and fulfilling life, there are no guarantees on how long a person will live, which is why life insurance is so amazingly important. Many employers offer a minimum life insurance policy for $10 or maybe $20,000, which is sufficient for a single person with no assets because it will be enough to cover burial costs.
However, if you have children, a spouse, or assets such as a house or car that is still under loan, you need enough life insurance to ensure your loved ones are protected. Life insurance companies representatives can provide an estimate of the amount of coverage you should have based on the specific factors impacting your family should you pass unexpectedly.
Many people are resistant to contact life insurance companies or discuss their eventual death. The thought of facing your own death is scary for many people. However, everyone passes on at some point, which means you need to plan for it if you want to ensure your family is taken care of after you are gone.