Call Us 314-752-2500 ☰ ˟
Logo
Call Us 314-752-2500
  • Home
  • Our Agency
    • Newsletter Sign Up
    • AboutImage of right arrow
      • Our Staff
      • Our Locations
    • Service CenterImage of right arrow
      • Pay My Bill
      • Report A Claim
      • Get A Quote
      • Certificate of Insurance
      • Personal Renewal Questionnaire
      • Commercial Renewal Questionnaire
      • Add Or Delete A Vehicle
      • Change Of Address
      • Add A Driver
    • Personal ProductsImage of right arrow
      • Auto and Homeowners Insurance
      • Auto InsuranceImage of right arrow
        • Liability Coverage
        • Comprehensive Coverage
        • Collision Coverage
        • Uninsured & Underinsured Motorist Coverage
        • Diminishing Deductible
        • Accident Forgiveness
        • Minor Violation Forgiveness
        • Roadside Assistance
        • Specialty Auto Insurance
        • 24-Hour Customer Service
        • Towing
        • Rental Reimbursement
        • Personal Injury Protection (PIP)
        • Medical Payments Coverage
      • Home InsuranceImage of right arrow
        • Earthquake Insurance
        • Property Insurance
        • Homeowners Liability
        • Renters Insurance
        • Condo Insurance
        • Mobile Home Insurance
        • Scheduled Property Insurance
        • Landlords Insurance
        • In-Home Business Insurance
      • Other Personal InsuranceImage of right arrow
        • Identity Theft
        • Personal Umbrella Insurance
      • Farm InsuranceImage of right arrow
        • Crop Insurance
        • Farm Owners Insurance
        • Farm Livestock Insurance
        • Equine Insurance
        • Farm Equipment Insurance
        • Farm Dwelling Insurance
        • Farm Structures Insurance
        • Farm Auto Insurance
        • Farm Umbrella Insurance
        • Farm Liability Insurance
      • Life InsuranceImage of right arrow
        • Individual Life Insurance
        • Group Life Insurance
        • Long-Term Care Insurance
        • Mortgage Protection Insurance
        • Disability Insurance
        • Second-To-Die Policy
        • Key Person (Key Men) Insurance
      • Recreational Vehicle InsuranceImage of right arrow
        • Boat Insurance
        • Motorcycle Insurance
        • Motorhome Insurance
        • ATV Insurance
        • Snowmobile Insurance
      • Additional Insurance ServicesImage of right arrow
        • Special Event Insurance
    • Commercial ProductsImage of right arrow
      • Coverage for Specific IndustriesImage of right arrow
        • Accounting Firm Insurance
        • Alarm Contractors Insurance
        • Insurance for Arborists
        • Construction Insurance
        • Consulting Firm Insurance
        • Specialty Trade Contractors Insurance
        • Craft Brewery Insurance
        • Educational Facility Insurance
        • Financial Institution Insurance
        • Healthcare Facility Insurance
        • Law Firm Insurance
        • Limousine Services Insurance
        • Livestock Insurance
        • Maintenance Contractors Insurance
        • Manufacturing Insurance
        • Media & Advertising Insurance
        • Pool & Spa Insurance
        • Printers & Publishers Insurance
        • Real Estate Businesses Insurance
        • Retail Insurance
        • Scrap Metal Insurance
        • Security Guards Insurance
        • Self-Storage Insurance
        • Septic Contractors Insurance
        • Technology Services Insurance
        • Tow Trucks Insurance
        • Water Well Drillers Insurance
      • Coverage for Your BusinessImage of right arrow
        • Bonds
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Fidelity Bonds
        • Loss Control Insurance
        • Inland Marine Insurance
        • Professional Liability
        • Surety Bonds
        • Workers Compensation
      • Coverage for Your EmployeesImage of right arrow
        • Group Benefits
        • Group Disability Insurance
        • Retiree Health Coverage
        • Disability Insurance
        • Individual Life Insurance
    • Our Providers
  • Products
    • Auto and Homeowners Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • Earthquake Insurance
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
    • Farm InsuranceImage of right arrow
      • Crop Insurance
      • Farm Owners Insurance
      • Farm Livestock Insurance
      • Equine Insurance
      • Farm Equipment Insurance
      • Farm Dwelling Insurance
      • Farm Structures Insurance
      • Farm Auto Insurance
      • Farm Umbrella Insurance
      • Farm Liability Insurance
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Personal Umbrella Insurance
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Additional Insurance ServicesImage of right arrow
      • Special Event Insurance
    • Coverage for Specific IndustriesImage of right arrow
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Construction Insurance
      • Consulting Firm Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Healthcare Facility Insurance
      • Law Firm Insurance
      • Limousine Services Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Media & Advertising Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Real Estate Businesses Insurance
      • Retail Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Technology Services Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Owners Policy (BOP)
      • Builders Risk Insurance
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Fidelity Bonds
      • Loss Control Insurance
      • Inland Marine Insurance
      • Professional Liability
      • Surety Bonds
      • Workers Compensation
      • LLC Insurance
    • Coverage for Your EmployeesImage of right arrow
      • Group Benefits
      • Group Disability Insurance
      • Retiree Health Coverage
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
  • Contact Us
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Homeowners Icon

Homeowners

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business and Commercial Icon

Business & Commercial

We browse through a wide variety of coverages and find the right one for you.

Learn More
General Liability Icon

General Liability

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life Icon

Life

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > 3 Mistakes to Avoid When Choosing Life Insurance
MONDAY, DECEMBER 27, 2021

3 Mistakes to Avoid When Choosing Life Insurance

Life insurance is a safety net for your family, but many people either don't have life insurance at all or make mistakes in choosing the right plan. Here are three mistakes to avoid when choosing a life insurance policy. 

  1. Not Choosing at All. Many people think that they don't need life insurance, or that they can wait until they're older. One thing is certain, getting older doesn't necessarily mean that you'll have more money to get life insurance and it doesn't always mean that that is when you will need the coverage. A lot of single people don't choose a policy because they feel that there is no one to leave the funds to in case of their death, but the high cost of burial and any medical expenses will be left as a burden to their family.Old lady with daughter

  2.  Choosing Only Work-provided Life Insurance. It is an advantage to have work-provided life insurance because these policies are typically inexpensive or free in some cases. While these policies are helpful, they usually provide a very low amount of coverage that won't cover much except perhaps the burial expenses of the insured. They will not provide living expenses or any type of large payout to the deceased's family.

  3.  Choosing a Premium Amount over Payout. Oftentimes, a person may not feel that they have a lot of money to pay towards a life insurance policy. Some feel that this is something they won't need for years anyway and don't feel that it is important enough to worry about. While a small life insurance policy is better than nothing at all, sometimes you can find a better policy that pays out more, for just a few dollars more per month. You wouldn't choose the cheapest auto insurance or homeowners insurance, so why choose the cheapest life insurance policy?


No matter what type of policy you decide on when it comes to life insurance, it is important to at least have something that will help take care of your loved ones after you are gone. 
Posted 6:35 PM

Tags: life insurance
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • business insurance(7)
  • life insurance(5)
  • auto insurance(4)
  • general liability insurance(4)
  • home insurance(3)
  • homeowners insurance(2)
  • general liability(2)
  • benefits(1)
  • liability insurance(1)
  • business owner's policy(1)
  • umbrella(1)
  • business(1)
  • bop(1)
  • personal(1)
  • insurance(1)

View Mobile Version

Contact Us Today!
314-752-2500

Social Social Social Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

9700 Mackenzie #120
St. Louis, MO 63123

Phone: 314-752-2500
Fax: 314-752-5973
© Copyright. All rights reserved. | Powered by Insurance Website Builder