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💥𝐖𝐡𝐲 𝐒𝐦𝐚𝐫𝐭 𝐏𝐞𝐨𝐩𝐥𝐞 𝐀𝐫𝐞 𝐁𝐮𝐲𝐢𝐧𝐠 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐈𝐧 𝐃𝐞𝐜𝐞𝐦𝐛𝐞𝐫?💥

We all know that insurance is important because it gives us the peace of mind we all need.

But… when an advisor tries to sell you insurance, your first response is probably “Nope… I have enough! I don’t need any more insurance!”

I know… When somebody tries to sell me something, I have that common reaction too. But have you ever asked yourself, why buy insurance especially in December?

=== 𝐖𝐡𝐲 𝐁𝐮𝐲 𝐈𝐧𝐬𝐮𝐫𝐚𝐧𝐜𝐞 𝐈𝐧 𝐃𝐞𝐜𝐞𝐦𝐛𝐞𝐫? ===

Here are some reasons for you to buy insurance in December this year:

✅ 𝐃𝐞𝐜𝐞𝐦𝐛𝐞𝐫 𝐢𝐬 𝐭𝐡𝐞 𝐭𝐢𝐦𝐞 𝐰𝐡𝐞𝐫𝐞 𝐲𝐨𝐮 𝐫𝐞𝐜𝐞𝐢𝐯𝐞 𝐲𝐨𝐮𝐫 𝐛𝐨𝐧𝐮𝐬 - Let's be honest. The first thing you probably do when you receive your bonus is spending them away, right? Why not convert some of these bonuses into a policy that gives you and your family peace of mind? It's the best time to plan for 2021.

✅ 𝐘𝐨𝐮 𝐞𝐱𝐩𝐞𝐜𝐭 𝐭𝐨 𝐡𝐚𝐯𝐞 𝐦𝐨𝐫𝐞 𝐥𝐢𝐚𝐛𝐢𝐥𝐢𝐭𝐢𝐞𝐬 𝐢𝐧 𝟐𝟎𝟐1 - Whenever your liabilities increase, for example, you intend to buy a new house in 2021, you need to purchase some term insurance to cover the loan in case something happens to you. This protects your loved one from unintended liabilities in the future.

✅ 𝐘𝐨𝐮𝐫 𝐈𝐧𝐜𝐨𝐦𝐞 𝐜𝐡𝐚𝐧𝐠𝐞𝐬 - December is probably the time where you are expecting your promotion. If that is the case, congratulations. Here’s a fun fact, did you know that you require 𝗮𝘁 𝗹𝗲𝗮𝘀𝘁 𝟭𝟬𝘅 𝘆𝗼𝘂𝗿 𝗮𝗻𝗻𝘂𝗮𝗹 𝗶𝗻𝗰𝗼𝗺𝗲 in life protection? This also means if your income increased in December, the amount of life protection you require will increase as well. Have a conversation with your advisor to find out more.

✅ 𝐓𝐡𝐞 𝐛𝐞𝐬𝐭 𝐠𝐢𝐟𝐭 𝐟𝐨𝐫 𝐬𝐨𝐦𝐞𝐨𝐧𝐞 𝐲𝐨𝐮 𝐭𝐫𝐮𝐥𝐲 𝐜𝐚𝐫𝐞 𝐚𝐛𝐨𝐮𝐭 𝐢𝐬 𝐚 𝐟𝐥𝐨𝐰 𝐨𝐟 𝐜𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐭 𝐢𝐧𝐜𝐨𝐦𝐞 - December is the month where many grandparents are trying to give out gifts to their loved ones. Rather than giving a small lump sum of money, why not invest the money in an annuity that 𝐠𝐢𝐯𝐞𝐬 𝐲𝐨𝐮𝐫 𝐟𝐮𝐭𝐮𝐫𝐞 𝐠𝐞𝐧𝐞𝐫𝐚𝐭𝐢𝐨𝐧 𝐚 𝐜𝐨𝐧𝐬𝐢𝐬𝐭𝐞𝐧𝐭 𝐟𝐥𝐨𝐰 𝐨𝐟 𝐢𝐧𝐜𝐨𝐦𝐞? This is what many smart grandparents are currently doing.

✅ 𝐘𝐨𝐮 𝐢𝐧𝐭𝐞𝐧𝐝 𝐭𝐨 𝐬𝐭𝐚𝐫𝐭 𝐚 𝐟𝐚𝐦𝐢𝐥𝐲 𝐨𝐫 𝐠𝐞𝐭 𝐦𝐚𝐫𝐫𝐢𝐞𝐝 - Now when you are single and have no dependents, you don’t need life insurance. However, when your life cycle changes and now you finally have somebody you truly care about, you need to spare thoughts for them. Get yourself covered.

===𝐖𝐡𝐚𝐭 𝐭𝐨 𝐝𝐨 𝐧𝐞𝐱𝐭? ===

☕ To sum it up, make sure you’re fully covered. If your advisor ever approaches you this December and ask you for a cup of coffee, don’t reject them first. Spend a few minutes listening to what they have to offer.

😉Every professional advisor in the financial planning industry will know that their clients’ priorities change dramatically in December due to the planning for 2021. That is why they are 𝐛𝐞𝐢𝐧𝐠 𝐫𝐞𝐬𝐩𝐨𝐧𝐬𝐢𝐛𝐥𝐞 𝐚𝐧𝐝 𝐜𝐡𝐞𝐜𝐤𝐢𝐧𝐠 𝐢𝐟 𝐲𝐨𝐮’𝐫𝐞 𝐟𝐮𝐥𝐥𝐲 𝐜𝐨𝐯𝐞𝐫𝐞𝐝 and financially ready to kick start 2021!

😉Remember, the best time to buy insurance is yesterday because you never know what will happen today! Get yourself covered & insurance only gets more expensive as you age.