Whether term-life or whole-life, obtaining some form of Texas life insurance coverage can provide families with the financial protection they need, although everyone hopes that they will never need it.
Missouri City, Texas (PRWEB) November 20, 2011
The team at local Murray Insurance and Financial knows that when it comes to Texas life insurance, many people are inclined to think on the negative side about all the potential hardships their families could face in the event of their death. However, life insurance doesn’t have to be a depressing topic. In fact, as the holiday season approaches, individuals may consider taking out a life insurance policy as somewhat of a gift for their loved ones.
Clearly, obtaining a Texas life insurance policy involves contemplating death to some degree, but the experts at Murray Insurance and Financial prefer to turn this around and help their clients think about how they can improve their quality of life and potentially lower their life insurance premiums at the same time. Here are some things that anyone can do to accomplish both of these goals:
•Stop smoking. Not only do smokers face higher health and life insurance costs, they also have shorter life expectancies. Parents who refrain from smoking may find it easier to run around with their young children and enjoy a better overall quality of life.
- Avoid packing on the holiday pounds. Everyone is susceptible to a little overeating during the winter months, but excess weight gain can contribute to serious health conditions like heart disease and diabetes, which could in turn lead to higher life insurance premiums. In addition, overweight individuals may feel inhibited when it comes to taking part in activities that involve physical exertion with their family and friends.
- Maintain a healthy work-life balance. The typical American 24/7 lifestyle can really take a toll on people’s health over time. Individuals should always set aside some “me” time during the day to sit back and relax. Avoiding high stress levels can help people stay healthy and improve their everyday outlook on life.
Whether term-life or whole-life, obtaining some form of Texas life insurance coverage can provide families with the financial protection they need, although everyone hopes that they will never need it. The experts at Murray Insurance and Financial understand that talking about life insurance can be difficult for some individuals, but they are always ready and willing to help their clients understand that discussing this topic can help people focus on the good in their lives and improvements that they hope to make.
About Murray Insurance & Financial
For 16 years, Murray Insurance and Financial has been a preferred provider of both personal and business insurance lines within the Texas community. The agency was nationally recognized as a recipient of the President’s Conference Award and is dedicated to living up to its reputation of providing the highest quality customers service. Whether online or in person, Murray Insurance & Financial agents can ensure that their customers obtain the most comprehensive and affordable policies, which will help protect themselves, their families and their assets.