Decision-Making: The Early Years! (Copy)

We all have moments in our lives that make us cringe when we look back. We tend to focus on the not-so-pleasant memories, but when it comes to my history with life insurance, I can actually feel a sense of pride in some of the decisions I've made. Let me share how my journey with life insurance began and why I believe it's important for young adults to consider it."

At the age of 24, I made a decision that felt responsible and forward-thinking—I purchased my first individual life insurance policy, separate from any coverage through my employer. It was a significant step as I had just financed my first car. I wanted to ensure that my parents wouldn't be burdened with financial obligations if something happened to me. So, I opted for a 10-year term policy with a coverage amount of $100,000. The best part? It only cost me a mere $8.00 per month. Looking back, there are things I might have done differently, like choosing a whole life policy instead of a term. However, I'm grateful that young Whitney recognized the value of protecting my family from potential financial challenges.

I strongly encourage all young adults to consider purchasing life insurance early in life. Why? Because life insurance premiums are determined by various factors such as age, health, and sex. When you're young, you'll receive the best rating, which translates to more affordable premiums. Additionally, by opting for a whole-life policy instead of a term, you'll also have the opportunity to build cash value over time. This cash value can serve as a valuable resource for emergencies or future needs. If you would like assistance on this journey, I am just a call, email, or text away!

Yours Truly, 

Whitney, Your family’s life insurance advisor!