Skip to content

Pepper, Johnstone & Company Blog

All You Ever Wanted to Know About Insurance

Life Insurance Awareness Month: How to Protect Your Family

Let’s start by addressing the difficult part: no one wants to think about life insurance. As we strive to enjoy the time we’re given on this earth, it feels uncomfortable to spend any of it thinking about the end. But as September was Life Insurance Awareness Month, we’ve had a chance to reflect on what an important choice it is to protect your family from the unexpected. It’s more evident now than ever before that getting life insurance coverage is an act of love.

At Pepper, Johnstone & Company, we understand that choosing a life insurance policy is a deeply personal experience. And if you’ve been uncomfortable with the idea in the past, we’re here to help you make the best decision for you and your family, as clearly and comfortably as possible.

Here are a few of the best reasons to stop putting off life insurance and embrace a policy that helps you keep your promises.

Life Insurance is Life-Affirming

Life insurance is ultimately for the living—the people you love and care about the most. Whether you’ve just started a family or are caring for aging parents, a life insurance policy can ensure that your promises to them are kept. Should anything happen to you, your loved ones will have a protective umbrella in their time of need.

This umbrella can help them not only by covering funeral expenses but also by enabling them to save for their futures. Proceeds from life insurance policies can help send your children or grandchildren to college, allow your spouse to realize retirement, or simply maintain the kind of lifestyle that frees your family members to pursue happiness. The right life insurance plan provides your loved ones with freedom from the harsher financial burdens of unexpected loss.

Life Changes, Life Insurance Stabilizes

Instead of causing worry or dread about life’s uncertainties, choosing a life insurance policy should give you a greater sense of peace. By choosing to plan today, you’re investing in your family’s financial future. You can rest easy knowing that you’ve built them a safety net in case the worst should happen.

Put another way, not having coverage puts your family at risk. Though it may be difficult to ask yourself how your family would fare without you, it’s important to do so. In fact, in a 2020 survey, 44% of consumers said that if the primary wage earner in their family passed away, they would feel a significant financial impact within six months—28% would feel it in one month. Life insurance is a way to stabilize the odds and keep your relatives from feeling that impact.

Life Insurance is Affordable

Life insurance is far more affordable than we think. In 2020, a survey showed that half of the US population thinks life insurance costs three times more than it actually does. In turn, that leaves an estimated 41 million Americans who say they need life coverage but don’t have it. Life insurance can actually cost less than the insurance we’re already buying for phones, so why wouldn’t we prioritize it?

Life insurance policies come in two major types—term and permanent—with many customizable options and opportunities for maximum flexibility. Whatever your budget, Pepper, Johnstone & Co. has a policy to fit your needs. From simple to complex coverage, we can help you navigate and understand your options and choose the best life insurance plan for your family, including:

  • Term Life

  • Permanent Life

  • Whole Life

  • Universal Life

  • Variable Life

  • Blends of Term and Permanent plans

Life Insurance is an Act of Love

In times of loss, your family members will have to make decisions, often difficult ones, as they adjust to a new way of life. Life insurance gives them a chance to make those adjustments without the added stress and worry of financial stability—it’s an act of love that says you’re looking out for them, no matter what.

Pepper, Johnstone & Company: Helping You Plan Ahead

You don’t have to go it alone when choosing a life insurance policy. Our team of experts in Athens, Alabama, has been helping families understand and explore the best options for setting up a safety net in good times and uncertain ones. When you’re ready to get started, feel free to stop by or call our office at 938-200-8972, or request a quote online.