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Life Insurance Benefits During COVID-19

Apr 14, 2020

During these unprecedented times, we are all looking to find ways to budget and make cut backs to our spending. Where is it smart to save and where should we continue to invest and spend our money? We reached out to Rob Barnett of Barnett Wealth Management to help us understand the importance of continuing to pay your life insurance premiums during the COVID-19 pandemic.

Should I Cancel My Life Insurance To Save Money During COVID-19?

There are many factors that were taken into consideration when you originally applied for your Life Insurance policy such as your age and health. If you cancel your policy now, you may pay more to get a new policy as you will likely be older and your health may have changed. You may not get the same type of policy you originally had at the same premium.

Why Is Keeping Your Life Policy Intact Most Beneficial during the COVID-19 Pandemic

Once you are qualified for a policy the only one that can cancel the policy is the insured or owner. If you panic and cancel the policy, you may not be able to replace it when you want. If you have a permanent life insurance policy, it may have a cash value built up which you may be able to borrow money from at a time like this or have some of the cash value pay the premiums on the policy for a period of time until life gets back to “normal”.

Budgeting For Your Life Insurance Premiums

Budgeting is very important during a difficult time such as right now. Keep in mind, if you are working from home you will be saving money on gas, you are most likely eating meals at home, maybe you have cut back on those daily Tim Horton’s coffees. There are hidden savings all around us that we don’t even notice as they have become normal expenses. Keep these ‘nice to have’’ expenses in mind when looking at your budget and remember the important ‘need to have’ expenses which you should continue to budget for.

As your Hometown Broker, we care deeply for our clients and our community. We are unconditionally committed to helping and servicing our valued clients anyway we possibly can! Contact us anytime. Our offices remain open to all our clients via phone at 1-855-385-4226, email at [email protected] or text at 289-802-1843.

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