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|Life Insurance Tips|
|News Releases - General Info|
|Written by Ginny Grimsley|
|Monday, 14 October 2013 13:00|
Consumer Advocate: Life Insurance is Finally
The percentage of Americans who have life insurance has hit a 50-year low, despite the fact that more Americans than ever have grave concerns about their ability to financially weather a crisis or to someday retire, according to recent surveys.
That tells consumer advocate Ted Bernstein that people are unaware of recent changes that make life insurance more affordable, more accessible, and more relevant to today’s needs.
“The fact is, more of us need life insurance. Nearly half of all couples are in dual-income households; if something happens to one spouse or partner, the survivor is likely to have trouble paying the bills,” says Bernstein, founder of Life Insurance Concepts, Inc., (www.lifeinsuranceconcepts.com
“Add to that, 38 percent of Americans believe they won’t have enough money to retire,” he says, citing a 2012 Pew Research survey. “Life insurance provides that retirement income.”
Finally, he notes, large numbers of people who had corporate life insurance lost it when they were laid off during the recession.
“While some of those people are back to work, they’re at lower paying jobs with fewer benefits. Now, they believe they can’t afford a new policy, or they fear they may be rejected if they try to get an individual policy,” Bernstein says. “Most of those people are wrong. In fact, unless a person has serious health issues, buying an individual policy -- not part of an employer program -- will cost less and offer more benefits.”
Bernstein details four ways life insurance is becoming more accessible and relevant:
About Ted Bernstein
Ted Bernstein is a third-generation life insurance specialist with decades of speaking out and advocating for changes on behalf of consumers. He was the first to introduce “no-load” life insurance in the mid-1980s and recently developed the Installment Life Option. Bernstein is a nationally recognized expert in alternative distribution strategies and life insurance product development.
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