Christmas is a great time to buy insurance. What?

December 22nd, 2011 | Author: Mitch Reynolds

Christmas is time for family, celebration and financial planning…

Christmas maybe one of the best times to do insurance planning as a family

Buy life insurance at Christmas. If someone told you that Christmas was a great time to buy life insurance, you might expect that person to be some greasy, lowlife insurance agent knocking door to door. Classic 1970s image of a life insurance agent that still persists today.

So, when I say Christmas might be a great time to review your life insurance, just take a breath and hear me out. There are a number of problems doing financial planning over the holidays, and I’ll give a brief list here:

You’re travelling and can’t meet with your insurance broker
You have guests visiting and are entertaining, too busy
Christmas is a high stress time for you and you couldn’t possibly focus on insurance
Your life insurance broker is on holidays and isn’t available

Well, these things are challenges that might make Christmas the wrong time to meet for some people. But for others who enjoy family time at home and relax over the holiday season this could be a perfect time to get that life or health insurance you’ve been meaning o buy.

Family is together, relaxed and talking nicely to each other

If you’re staying home this Christmas and the family is gathered around the Christmas table for the feast of turkey and ham (roast leg of lamb this year for us – just sick of turkey for once) I don’t expect the conversation to shift to who has life insurance and who doesn’t. What families really talk about is what has happened to them and other extended family members and friends over the last year. Some stories are good, other are bad. Some family or friends might be dealing with a critical illness, or people have died. This is real – and real life tends to be discussed around the dinner table.

The holiday time you have between Christmas and New Years is a good time to reflect on what’s important – your family, your health, close friendships, etc. The warmth of being with family and being relaxed, talking about what matters to you can help you focus on important issues – like planning for the family’s future and protecting the ones you love.

It’s also good that you have family around to ask questions of, get good council, to help you make good decisions about insurance and financial planning. Just think, you can talk to your parents or even grandparents about things like buying life insurance and see what they have to say and what they did in the past. Their experience might be beneficial in helping you make a good decision about your own life and health insurance needs.

You have time over the holidays to casually fit an appointment in to see your insurance broker

Now, I’m not saying you need to have a life insurance broker over just after the dishes have been cleared from the table on Christmas Day. What I’m saying is that you probably have some downtime between Christmas and New Years, or maybe just after New Year’s Day that you can easily have a life insurance broker come by and talk to you about life and health insurance.

If you are going to be around over the Christmas holidays and don’t have every minute of every day planned out, you might be able to see a life insurance broker – even during the day – very easily and with less stress than an evening appointment during the work/school week.

It’s a great time to focus on the future and do some life planning

How many of you are making a New Year’s resolution? How many are looking forward to the New Year with big plans of how you are going change/improve your life. Well, maybe it’s time to include some financial planning into those future plans.

A life insurance broker can help you plan your risk protection to make sure you and your family are properly protected from life’s risks. They can also help you save for retirement, put money away for children’s education, and even do some estate planning for the next generation. Don’t just dream about all the good things that the New Year will bring, put some rock solid plans in place to help you get there.

Your life insurance broker will probably work over Christmas too

In case you don’t know, life insurance brokers and agents are paid on commission. They don’t make any money just sitting at home over Christmas. They don’t get holiday or vacation pay. They really only get paid to speak with clients and help them buy the insurance they need.

So, if you contact a life insurance broker over the Christmas holidays, and they are eager and willing to meet, you don’t have to think to hard about why. Also, they can probably do a daytime appointment with you, when clients are relaxed and feeling festive. What a pleasure! It’s a lot different than meeting you at 7pm on a work night, when kids are refusing to go to bed and you might have just had a hard day at work. The Christmas holidays are a break from the stresses of everyday life, and a comfortable time for everyone to sit down and talk.

Life Guard Insurance can find you a life insurance broker over Christmas

If you are home over the holidays and have been putting off getting the life insurance you really need, why wait until sometime in January. Contact us here at Life Guard Insurance and we will be sure to find you a life insurance broker in your area who would be happy to meet over the Christmas season.

The article was written by +Mitch Reynolds. If you found this article interesting or it made you think, please feel free to share your comments below. Liking us on Facebook, giving us a +1 on Google or Tweeting this article about Christmas being a great time to buy insurance would also be very much appreciated.