Did you know that the majority of consumers who believe they need life insurance, 86 percent to be exact, have not bought it because they think it is too expensive for them? There are a variety of options these days to purchase accident life insurance and many other kinds of insurance.

The best thing to do is to find some one who can answer questions like how much life insurance should I get, what are the top reasons to get life insurance, and where can I get life insurance. Here are a few things that you should know before making an appointment with an insurance sales person.

1. While four in 10 households with children under 18 now include a mother who is either the sole or primary earner for her family, the majority of these women are vastly under insured. Among those women who have life insurance, who may not have been able to afford to hire someone who could answer the question how much life insurance should i get, their coverage is only 69 percent of the average coverage for men of comparable ages.

2. Everyday expenses, including things such as energy costs, food, clothing, and transportation, were cited by more than half of those who do not have life insurance in any capacity as the main limits on their ability to save for financial goals.

3. When asked questions on financial issues, money for a comfortable retirement was the top answer of an astounding 67 percent of of those surveyed. By contrast, concerns that life insurance coverage traditionally addresses, including things such as premature death, funeral expenses and leaving an inheritance, were chosen as a top priority for less than 40 percent of those surveyed.

4. While most insurance sellers will suggest that an in person meeting is still the most preferred method for buying life insurance, close to 90 percent of potential buyers claim that they would use the Internet to research life insurance before purchasing. Only a little more than 15 percent of people claim that they would prefer to buy insurance completely online. This statistic does show signs of increasing in the future however.
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