Reader’s Question:
After two years of engagement, I finally got married to the woman I love. We are now happily living together in Tampa Florida FL. We are not planning on having a baby soon since we’d really want to enjoy ourselves. Would I still need life insurance?
Kennedy
Tampa, FL
Hello, Kennedy, allow me first to greet you and your lady love warm congratulations and best wishes. It is not true that the world don’t need another lover, I more of subscribe to the school of thought that preaches “all you need is love” because with love, there’s nothing you can do that can’t be done.
Before I get all lost, I’d like to point out to you that this is a common enough misconception among young people. I am assuming that you are quite young if you can afford stalling to have a baby, Kennedy, so let’s get back. As I was saying, it is a common enough misconception: because I don’t need life insurance now, I will not get it yet, if at all. Life insurance takes time to develop and in most cases, it takes about ten to twelve years before it even generates cash value. By the time it has matured, or even by the time you have completed your payments, a lot of things may have already happened in your married lives. Even if you don’t have children, you may have acquired property and other assets which your wife may not be able to shoulder on her own if something bad happens to you and you are no longer generating income. In fact, if you’d permit me to say so, this is a better time for you and your wife to acquire these investments because your expenditures will never be as low as you have it now. Over the years you will fall into a pattern of spending – traveling, buying a house, buying a car, having a baby – and that life insurance will soon be forgotten!
Why don’t you make it your wedding gift to yourselves? There are many qualified professional in Tampa Florida FL who will be wiling to help you with this. Or, you can also try to work it out between you and your wife. There are many guides that can be found with the internet and this page can calculate five proposals for you if you just plug in your Trenton Tampa Florida FL zip code on the blank space. Good luck, Kennedy, have a long happy, insured life ahead!
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