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February Is ‘Insure Your Love’ Month – Are Your Loved Ones Truly Protected?

Writer's picture: Howard ShanleyHoward Shanley


February is Insure your love month. Dad carries daughter on shoulders, mom holds her arms. They're smiling in a bright living room. Text: "February is 'Insure Your Love Month'". Make sure your family the one's that you love are protected financially.

Is Your Loved One's "Financial Safety" Ensured?


 

Love is more than just words—it’s about protecting the people who matter most to you. Yet, shockingly, nearly half of U.S. households don’t have life insurance, (48%) leaving millions financially vulnerable if the unexpected happens. According to recent statistics, over 100 million Americans are either uninsured or underinsured - 38% of families would face financial hardship within six months after losing a primary wage earner—30% within just one month! 


This February, during "Insure Your Love Month", take a moment to consider—if something happened to you today, would your family be financially secure tomorrow? In this post, we’ll explore "10 Little-Known Facts About Life Insurance" that could change the way you think about protecting your loved ones.


Whether you're single, married, a parent, or nearing retirement, these insights will help you make the best decision for your family’s future.


  1. Term is Not Always the Cheapest Long-Term Option

While term life insurance has lower initial premiums, Whole Life, Indexed Universal Life, Return of Premium Term Life can provide better long-term value through cash value accumulation and lifelong coverage.


  1. Living Benefits Are Game-Changers

Many policies now include Living Benefits, allowing policyholders to access funds for critical illness, chronic illness, or terminal illness while still alive. These features can be a financial lifeline in tough times and, is the same price as traditional life insurance which only pays in the event of death.


  1. You May Need More Coverage Than You Think

The "10x your income" rule is a guideline, but individual needs vary. Consider your debts, future expenses like college tuition, and inflation when calculating the amount of coverage you will need.





  1. Insurance Rates Are Based on Your Health—and Age

The younger and healthier you are when you apply, the lower your premiums. Waiting to purchase life insurance could significantly increase your costs.


  1. Your Policy Can Be an Investment Tool

Certain life insurance products, like whole life or universal life, build cash value over time. This can be borrowed against or used as supplemental retirement income.


  1. Employer Policies May Not Be Enough

Many people rely solely on group life insurance from their job, but these policies often offer limited coverage and don’t follow you if you change employers.


  1. You Don’t Always Need a Medical Exam

Simplified issue or no-exam life insurance policies are available for those who want to avoid medical underwriting. However, these policies may come with higher premiums.


  1. It Covers More Than Death

Life insurance isn’t just about death benefits. Some policies offer riders for long-term care, disability income, or even waiving premiums if you become disabled.


  1. Your Hobbies Matter

If you engage in high-risk activities like skydiving, scuba diving, or racing, insurers may charge higher premiums or limit coverage. Be honest during underwriting to avoid policy disputes later.


  1. Not All Policies Are Created Equal

Life insurance comes in many forms—term, whole life, universal life, and variable life. Each has unique features and purposes. It’s crucial to understand which type aligns with your financial goals.


Tomorrow is never promised, but financial protection for your loved ones can be starting today! Imagine the impact on your family if the unexpected happened—would they have the financial security to move forward without struggle? The truth is, waiting to get life insurance is a gamble you can’t afford to take. The cost only increases with age, and worse—delaying could mean losing coverage altogether if health issues arise.


For 35 years, Shanley Insurance Agency has helped families across Upstate SC just like yours find the right protection at the best price—and we can do the same for you. Don't wait another day. Secure your family's future NOW before it's too late!


📞 Call us at (864) 868-5194 TODAY or visit www.shanleyagency.com to request a quick, no-obligation quote. Your family’s financial security depends on it. Act now, tomorrows are never guaranteed!


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Shanley Insurance Agency

Six Mile SC

(864) 868-5194

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TPMO Disclaimer: “We do not offer every Medicare plan available in your area. Please contact Medicare.gov, 1–800–MEDICARE, or your local State Health Insurance Program (SHIP) to get information on all of your options.

 

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