At What Age Should I Start Considering Life Insurance?

Many people in San Antonio, TX may think of life insurance as something you don’t need to worry about until you’re retired. The truth is that life insurance is less about age and more about certain milestones you may pass in life.

The real question is whether or not you have people depending on you. If you’re fresh out of college, single, working an entry-level job, life insurance might not be a priority. But for many of us, that situation doesn’t last very long. Before you know it, you’re married, you have kids, you have expenses, loans to pay off, and if something were to happen to you, it would create many problems for a lot of people.

So the answer to the question may not be that there is a specific birthday where life insurance becomes essential. Instead, life insurance becomes important on the day that you start to feel like an adult with adult responsibilities. The term "life insurance" is appropriate, as it is your life that is being insured, your family, and home. Everything that you can’t simply walk away from in San Antonio, TX, that’s what life insurance protects.

The sooner you start, the better off you’ll be. Most insurers offer loyalty discounts, and life insurance tends to be far cheaper the younger you are, and the healthier you are.

If you’re ready to take that step, get in touch with the Integrity Advisors Agency. Integrity Advisors Agency can help you to find the right policy for you so that you can rest easy, knowing that, no matter what, your loved ones will be taken care of, and your responsibilities will be managed.

Do I Need Commercial Insurance For My Etsy Business?

If you run an Etsy business in San Antonio, TX, the question of insurance comes down to a few factors.

  • Is this your primary income? If you are running an Etsy business as a way to make an extra hundred dollars a month, if it is essentially just a hobby that pays for yourself, it might be a little early to consider buying extensive commercial insurance. On the other hand, if this is how you make a living, how you pay your bills, then you certainly don’t want to leave it at risk.
  • How much volume is your business doing? If you are selling hundreds of items a month, then your level of risk is far more pronounced than that of many Etsy shop-owners.
  • What sort of equipment do you have on hand? It may be worth buying commercial insurance even for a small Etsy shop if you have thousands of dollars worth of tools, supplies, and equipment on hand. You don’t want to spend hundreds investing in a silkscreening setup only to find that your home insurer excludes business property.
  • Are there any special liability concerns associated with your product? Any product you could hope to sell comes with a certain degree of liability, and Etsy may provide some protection on your behalf. Still, if you are selling something that may be potentially hazardous, you will undoubtedly want to have adequate protection against lawsuits.

With many small businesses, it can be tricky to determine where the line is drawn between business and hobby. Still, once you cross that line, it’s time to call Integrity Advisors Agency and discuss buying a commercial insurance policy. Integrity Advisors Agency can get your San Antonio, TX business the protection it needs.