You may have life insurance through work, so why do you need more life insurance? Personal finance experts, like Dave Ramsey and Suze Orman, recommend having an individually owned term life insurance policy, and to use life insurance through work to supplement your protection.

If you become seriously ill, you will eventually be unable to work, and you will lose your job, and lose your group life insurance benefits. Because you’re ill, no one will sell you an individual life insurance policy. When you need life insurance the most, you will not have it.

When it comes to life insurance, many healthy people think they won’t need it. Some of these healthy people develop health conditions, and curse the insurance industry for not selling them life insurance when they have a considerably greater chance of needing it.

Don’t feel ripped off, if you are one of the unlucky people developing a serious health condition, by not buying an individual life insurance policy when you were healthy, which will be there for you when you need it.

You may be surprised how affordable it is to get a term life insurance policy. It’s easy to say. “I’ll wait until I get married. ” Then put it off again, and say, “I’ll wait until I have kids.” You can’t depend you will be healthy sometime in the future. Too many people put it off until their first health scare, and then it may be too late.

If anyone you leave behind would struggle financially due to your death, you need life insurance. Although no one may depend on you presently, if you know you will be married, or have kids in the future, you should consider getting term life insurance now.

At the very least, everyone needs a life insurance policy to cover final expenses, like your funeral, unless you have enough money saved to cover these costs.

However, many people needing life insurance, don’t buy life insurance, thinking dying during their working years will never happen to them.

It’s true, the odds are very good most people won’t die before age 65. But don’t kid yourself — even though your odds of living to old age are very good, you are still gambling with the welfare of your loved ones, in case the unlikely event of early death strikes you.

Do you play the lottery, dreaming of winning the grand prize? You have to be in it, to win it. Even if you don’t play the lottery, you don’t have a choice about being in the “died-too-young” lottery, and your odds of “winning” it are better than making a million dollars from a lottery ticket.

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Don’t gamble with your family’s welfare. You can’t remove the risk of dying before old age, but you can avoid the financial impact on your family. Families often end up in poverty and bankrupt, due to the death of a wage-earner not having life insurance. Don’t let it be a possibility for your family.

An annual life insurance review: The best way to protect your loved ones.

If you have your own life insurance policy(ies), you should review your coverage with your agent each year, to see if your policy still meets your needs. If you have a big life change, or buy a major asset, like a home. You will probably need more coverage.

A good agent should review your life insurance annually, since people have changes all the time, such as marriage, divorce, the birth of children, changes in jobs or benefits, etc. which affect your life insurance needs.

Is your ex-spouse still listed as your beneficiary? If you die, your ex gets paid your life insurance, not your current spouse. Make sure your life insurance goes to the people whom need it.

The last thing people think about is talking to their insurance agent when big life events happen, so an annual review makes sure your coverage keeps up with your changing needs. If it has been years since your agent has reviewed your insurance needs, your agent is not doing their job.

It pays to shop with other agents, and get a second or third opinion on your life insurance coverage. Life insurance rates continue to drop, due to competition, and people living longer, so even though you are older, you may be able to get more coverage for a lower price than a policy you bought 5 or 10 years ago.

If you don’t have your own life insurance policy, click the appropriate ads in this blog post, and have agents contact you to review your life insurance options.

You can find term life insurance rates online, but those prices don’t mean anything if you can’t qualify for them. You may be in perfect health, but a close relative dying young, or some other reason, may disqualify you from the rates you found online. An experienced insurance agent is always your best source of accurate price quotes & life insurance information.

Do you have an individual life insurance policy? Why not? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.