Avoid These Common Life Insurance Blunders

Buying life insurance is one of the smartest financial decisions—but only if done right. Before you commit, make sure you’re not falling into these common traps:

✅ Waiting Too Long
The earlier you buy, the lower your premiums. Don’t delay until it's too late or expensive.

✅ Choosing the Cheapest Policy
Low premium = low coverage? Don’t sacrifice your family’s future for short-term savings.

✅ Skipping the Fine Print
Policy terms, exclusions, and riders matter. Read and understand everything.

✅ Underestimating Coverage Needs
Your insurance should cover more than just your debts—think income replacement, children’s education, and inflation.

✅ Not Comparing Options
Different insurers offer different benefits. Always shop around and compare.

✅ Ignoring Riders
Critical illness, waiver of premium, or accidental death—riders can add powerful protection.

✅ Not Reviewing Periodically
Life changes—so should your policy. Review it every few years to stay aligned with your goals.