There are a lot of life insurance myths that you need to uncover in Albany, New York. This will give you more confidence as you shop for a policy knowing that it is going to provide you with sufficient protection.

Life Insurance is for Older People

Somewhere along the line, a myth developed that life insurance is only for older people. This is not accurate at all. You want to make sure that you are protecting your family regardless of what your age is – and therefore having a policy even in your 30s and 40s can be extremely beneficial.

Health is Critical

While health does play a role within life-insurance, it is not going to be the difference between being able to get a policy or not. Plenty of insurance companies will offer a policy even if you have a serious illness. However, the coverage may be lower and premiums may be higher.

Employer-Provided Polices are Enough

It is great if your employer provides you with a life insurance policy. However, you need to know what kind of coverage you have, it may only be one or two times your salary. Additionally, it may only be a term policy and may disappear once you leave the company, leaving you with no coverage at all.

Most Affordable Policies are Online

There is a myth that the most affordable policies are found online only. While there are some affordable premium prices available online, you have to look at what is going to work best for you. It’s a good idea to make some comparisons between the quotes that you get from multiple companies.

At NY Twin Bridges Insurance Agency, we look forward to helping you find an affordable life insurance policy that you can count on. Call today and speak to one of our agents for individual assistance.