28/04/2024
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Happy Sunday, everyone!
Deciding what kind and how much to buy will take study. You can't do a good job on a hit-and-miss basis. Actually, the job will never be finished. Both your situation and insurance policies and provisions will change, so new possibilities will be open to you. No one can give you an exact formula, but you might keep these suggestions in mind:
1) Study your needs as a family. You must make the decisions as to which are the most important needs now and how much you can afford to pay for insurance that will protect you in the future.
Insure first the risk that would be most damaging if it occurred.
2) Review your insurance needs at least annually and more often if there is a change in the family: marriage, birth, new home, more possessions, etc.
3) Select a competent advisor you can trust. Your most valuable guide in buying insurance is a reputable advisor. A competent advisor will take into account your needs now and any future needs you may have. You will want to review your program with your advisor periodically as family needs change. Having an advisor you can trust will ensure that you are not over- or under-protected with insurance.
