First off—this is really what you’re worried about right now?! It’s the zombie apocalypse, man! Why, and how, are you on a computer? You should be running! RUN!
Okay, now that that’s out of the way, I’ll address your question. Possibly.
I must say, it doesn’t surprise me in the slightest that this question came up, as society seems to be more concerned about the possibility of a zombie apocalypse than the possibility of global warming, but we can just blame Hollywood for that.
Me: Hey, Hollywood… how does it feel that people are more prepared to make decisions during a zombie apocalypse than during election season?
Hollywood: No comment.
Here’s the thing: if you did more than just stockpile crossbows and canned goods in preparation for the zombie apocalypse and actually purchased life insurance, you’re awesome. That’s true dedication to being prepared and when, and if, the zombie apocalypse does happen, I will break down the doors of the closest life insurance establishment and make them file your claim.
I mean, there’s got to be one truly dedicated life insurance agent still manning the front desk right? That one whose plan it is to rule all of life insurance once the dust settles—there’s definitely going to be that guy and we’ll find him!
If this guy is still running the life insurance system—from, I don’t know, his basement, or something—then he’s going to be busy. People’s loved ones are having their brains eaten, left and right, and while everyone’s sad, panicked, and trying to stay alive, they are still wondering what they’ll need once the government finds the cure. They’ll need to take care of themselves and once the bartering system fades again, money is going to take center stage.
Even if the world does look like it’s going to be zombie wasteland forever, the awesome lone insurance guy could at least pay claims in weaponry, or something, right? Things to be traded, maybe?
In case you haven’t already guessed, this article is largely conjecture. I sincerely hope you guessed.
For argument’s sake, let’s say that you can get your claims filed, need/want to, and are reading this thinking… I don’t have life insurance and I believe in zombies. I really want to be able to file my claim and get a truckload of canned corn for bartering. What should I do? Well, you should buy life insurance.
BEST LIFE INSURANCE BUYS FOR THE ZOMBIE WASTELAND
Really, you should purchase life insurance, click here to learn more, regardless of if you believe the zombie apocalypse is coming or if you actually think there will be one lone life insurance agent fighting the good fight for the insurance cause. If you have a family, you should buy life insurance to provide for them whether your brains are eaten or if you just step out into the road at the wrong moment in time.
Anything can happen. At any time; be prepared!
If I’ve been convincing, and humorous, enough for you to learn a little about life insurance—it can’t all be fun and games!—then here are some brief basics:
- Term Life: This is the policy that everyone, both policy buyers, givers, and financial experts alike, all recommend. It provides just what you need, when you need it, and allows you to alter the policy once its life expires. Typically, these policies are purchased for a flat annual fee (you can pay monthly) and have a shelf life of anywhere from 10 to 30 years—more commonly the later. During the policy’s life, you experience to rate changes, no nasty hidden fees, and if you want to change over to another policy, you’ll pay little to no forfeiture fees.
These policies are quick, clean, and once the time expires, you can reevaluate all of your assets and readjust accordingly. After all, you don’t ever want to be paying more than you have to.
- Whole Term: These policies are basically the opposite of everything I just said in regards to term life policies. Whole term policies are permanent and cost a pretty penny to forfeit. You do earn tax-free cash as an investment incentive, though, which accumulates over the course of the policy’s life and if you have an illness or disability, the life-long coverage can be appealing.
If you are really looking into life insurance and, of course, want to be fully prepared for the zombie apocalypse—after all, we have to give the lone insurance agent something to do—then the best thing that you can do is talk to a certified insurance specialist.
Because everyone is different—we have different health problems, different backgrounds, different occupations—the list goes on and on. All of these differences factor in to the kind of policy that you should get and what it should cover. Do yourself a favor and work with someone who knows the industry backwards, forwards, and sideways to get yourself the best deal!
I sincerely hope you find the best policy for you and don’t get eaten by a zombie—best regards!