Imee Sabales Licensed Financial Advisor

Why we need Insurance?

Financial Protection

Life is unpredictable—accidents, illness, natural disasters, or theft can happen anytime. Insurance helps cover the costs so you don’t have to pay everything out of pocket.

You deserve a partner who truly believes in you, so you can have the courage to turn your dreams into reality.

Find someone who cares as much as you do. Talk to a Manulife Financial Advisor today.

09458645560

Quickly and securely enroll your policy to autopay today using your Visa, Mastercard, or JCB debit or credit card. No waiting time, no paperwork, instant approval!
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Insurance is Real, Insurance is not Expensive.

People may avoid getting life insurance for several reasons, including:

1. Perceived Cost

Many believe life insurance is too expensive, even though affordable options often exist. Misconceptions about cost deter them from exploring policies.

2. Procrastination

People delay decisions about life insurance, thinking they’ll get it later or assuming it’s unnecessary until they’re older.

3. Lack of Understanding

The complexity of life insurance products can confuse people. They may not understand how policies work, what they need, or how to choose the right one.

4. Denial of Mortality

Discussing death and planning for it can be uncomfortable, leading some to avoid the topic entirely.

5. Belief It's Unnecessary

Those without dependents or significant financial obligations may think life insurance is irrelevant to them.

6. Distrust in Insurance Companies

Some people fear hidden fees, policy loopholes, or not receiving payouts, which fosters distrust.

7. Health or Age Concerns

Those with preexisting health conditions or older individuals may assume they won’t qualify or will face high premiums.

8. Financial Priorities

Tight budgets may lead people to prioritize other expenses like housing, education, or daily living costs over insurance.

9. Overestimation of Coverage

Some rely solely on employer-provided life insurance, believing it is sufficient, though it may not meet long-term needs.

10. Cultural or Social Factors

In certain cultures, discussing life insurance might conflict with traditions or beliefs about planning for death.

11. Misinformation or Myths

Misunderstandings about eligibility, such as needing perfect health, can discourage people from applying.

Addressing these barriers through education, transparent communication, and tailored options could encourage more people to explore life insurance.

My thinking before I became a financial advisor.

Yes, insurance is a real and essential part of modern life. It provides financial protection against potential risks and losses. Insurance can cover a wide range of areas, such as health, life, auto, home, and business. By paying premiums, individuals and businesses transfer the financial burden of unexpected events (like accidents, illness, or damage) to an insurance company, which helps reduce the financial impact of those events. It is a way to manage risk and provide security for people and organizations.



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