Let me restate the obvious– term insurance eases the financial pain of the loss of a loved one. It’s that simple. People buy life insurance because either they love someone or they owe someone. Again, it’s that simple. All other reasons are simply a variation of those two themes. It doesn’t matter if it’s term insurance, whole life, universal life, or whatever flavor comes next. Life insurance is an emotional topic no matter how you slice it.So, what is it for you? Do you love your family and want to protect them for the unexpected loss of mom or dad? Or perhaps you own a business and the bank is telling you that you need to buy life insurance in order to secure the loan for your business. Pretty simple really.So if the reasons for buying life insurance, either term insurance or permanent insurance, are so simple, why don’t people just do the right thing and go online, get term insurance quotes, and apply right on the spot? I think it’s because most people, even bright well-educated folks here in the SF Bay Area or nationwide, really don’t think that they are going to die! I mean, really, I’m 35 years old, fit as a fiddle, and workout at least 5 days a week. What could happen to me? Or my wife for that matter? Really, ok, think about this 41 year old father who went out for a jog last month and never come back. Read here–Menlo Park dad killed while jogging December 2015Accidents really do happen and not just to new parents either. Consider my kids’ summer camp director in Plumas County, CA which is near Mount Lassen. She had no reason to believe that she would meet an untimely demise, and it was extremely tragic. Lauren was loved by all who knew her. She had run the summer camp her parents started in the ’60’s since she graduated from college in the ’80’s. This was and is a true family business. When she contacted me to help her with her insurance, she wanted to make sure her daughter would not be saddled with debt for the business. She’s been taken care of because Lauren loved her daughter enough to protect her from debt. Now her daughter can run the business without worrying about money as much as should would without the extra benefit. You can read about the case here– Tragic murder of summer camp owner.So why, again, do we persist in thinking that these kinds of things can’t happen to us? We live in a complete bubble in the SF Bay Area. We don’t live in a war zone, most of us reading this live a decent life without danger which we take for granted, BUT, we are mostly all ACTIVE people. People who drive to work risk their lives every day and don’t think about it. People who jog on the street and cycle on the back roads are all vulnerable and oblivious. Think about the last time a car cut in front of you because they didn’t see you and you’ll understand what I mean.We younger to middle aged parent get sick, too. Cancer at an early age is a reality. I’m working with a physician whose wife, also a doc, has serious cancer and is undergoing major treatment. She’s 37 and has two young kids. Not fun to think about but very real, indeed.Why don’t we take care of our life insurance needs when we think about it, right then and there? Easy, you don’t have any accountability! Well, I’m an insurance broker and I am your accountability! Listen to my words- “take the first step and see how inexpensive it is to do the right thing and buy the term life insurance you need!” There, that wasn’t so bad! So if you are reading this, which I hope you are, please just go to the button and get your personalized term insurance quotes. you’ll be surprised how cheap it is. Truly, you will thank me after you take care of this issue and cross it off you new year’s list. Go NOW and get the term insurance quotes!