Is a life insurance policy the ultimate Valentine’s Day gift?

This Valentine’s Day, instead of buying chocolates and flowers, or treating your special one with a candle light dinner, why don’t you consider purchasing something that would communicate your endless commitment towards the relationship and how much you care for him or her? Why not a gift that would convey your long-term devotion, show your selfless nature, and which he or she would cherish forever? Loving someone means you always think the best for him or her and giving a life insurance policy as a gift can be the best gift for someone you really care for. If you remain apprehensive as in what might befall your beloved and your family when you are no longer around to care for them, investing in life insurance is perhaps the best practical, yet emotional decision one can make. Consider the following reasons why a life insurance policy is the ultimate Valentine’s Day gift:

1. If you pass away suddenly, a life insurance will not only help your loved ones shoulder the immediate expenses like funeral costs, but will also help with the livelihood costs like mortgage payments, household bills, and so forth, later on. If you happened to be the primary wage earner, such kind of support would definitely help your family to live and thrive.
2. Contrary to popular belief, life insurance coverage is both affordable and easier to secure. If you have no idea as in how much money your family would need for a secure financial future when you’re no longer around, there are valuable resources that you can take advantage of for help. For instance, the LIFE Foundation offers a free life insurance needs calculator that you can use to determine how much coverage do you need in just a matter of minutes. You just need to fill in some basic information about your income, expenses, outstanding debts, dependents, etc., and the calculator will tell you your options.
3. Apart from this kind of online resources, you can also get in touch with an insurance agent to determine your insurance needs. You’ll find many independent insurance agents working in your area. Check with them to see if they have anything that best suits your needs. You are perhaps lucky if you already have someone who you know personally and can trust. Someone you rely on and can leave the decision of purchasing a life insurance policy as per your needs.

In a survey conducted by the LIFE Foundation, one out of four people chose life insurance as a better Valentine’s Day gift than romantic dinner or chocolate. So, what if you purchase a policy, wrap it in a red bow, and give it to your sweetheart on the Valentine’s morning, in lieu of a box of chocolates, an adventure ride, or an iPhone?