Accidental Death, and who needs it

This is a picture of my car accident in 2002. My 14-year-old daughter and I were hit by a drunk driver and the car went up in flames while we were still in the car. We made it out with minor injuries but not everyone does. I will never forget the day my friend Tiffany called me crying that her brother was killed in a motorcycle accident. He was only 40 years old. I felt her pain through the phone. I tried to console her in every way possible, but I only made things worse. I asked if he had any insurance, it got quiet on the other end of the phone, she said he only had $10,000 policy his mom took out on him when he was a young boy. Her brother had five kids, a mortgage, car payments, and a wife who hadn’t been in the workforce since they started their family. Listening to her over the phone give an account how her family was going to try to help in every possible way made me sink in my chair. I felt the devastation that they were experiencing both emotional and the inevitable financial. Imagine trying to take on another family’s bills, raising children, and helping his wife through such a traumatic time. It is great to have family, but it takes so much more.  That day changed Tiffany’s life and mine as an insurance agent. 

One way I help my clients is to impress upon them to value of having an accidental death policy to help with income replacement to cover an unexpected death caused by an accident. Most families today live on two incomes, but Tiffany’s brother only had one which made this situation stand out even more to me.  People sometimes argue with me and say I have car insurance that will cover me. Well true! But not all car insurance is approved for all that you are insured for....and...not all accidents are motor vehicle accidents. One of my clients got dizzy and fell and hit his head at Home Depot. He was on a blood thinner and had a brain bleed that eventually ended in his untimely death.  His death due to the fall was covered by his accidental death policy.

Why is accidental death coverage so important? Accidental Death coverage is affordable term life insurance that is designed to replace your income, protect the equity in your mortgage, and provide additional funds for financial support while figuring out the financial impact of the loss of a loved one. Reach out to me to learn more about protecting your family from financial devastation and I will guide you to find the best coverage for you and your family.