Life Insurance Myths: Why It’s Not as Confusing as You Think

When it comes to life insurance, most people know they should have it — but many still avoid it because it seems complicated or intimidating. At DeFazio Insurance Brokerage, Inc., we hear it all the time: “I don’t know where to start,” or “It’s probably too expensive.”

The truth? Life insurance is simpler — and more affordable — than most people realize. Let’s clear up a few of the biggest myths that keep families from protecting their future.

💭 Myth #1: “Life insurance is only for older people.”

Many people think life insurance is something you buy later in life — after you’ve bought a home or had kids. But the best time to buy life insurance is when you’re young and healthy.

Why? Premiums are lower, and you can lock in lifetime coverage while your insurability is at its peak. Waiting only increases the cost and risk of being declined later.

💰 Myth #2: “It’s too expensive.”

According to industry studies, most Americans overestimate the cost of life insurance by more than three times. For less than the price of a daily coffee, you can protect your family’s financial future.

Because we’re an independent life insurance brokerage, we compare top-rated carriers like Mutual of Omaha, Foresters Financial, Americo, Royal Neighbors of America, Liberty Bankers Life, and F&G to find you the most affordable options.

📋 Myth #3: “It’s hard to get approved.”

Modern underwriting has come a long way. Many policies today offer no-exam or simplified-issue options, making approval faster and easier than ever.

Even if you have health concerns, we can find customized coverage that fits your situation and budget.

🧠 Myth #4: “I don’t need life insurance right now.”

If someone depends on your income — your spouse, kids, or even a business partner — you already need protection. Life insurance isn’t about you; it’s about the people who would be affected if you weren’t there.

Having a plan in place provides peace of mind today and financial security tomorrow.

❤ The Bottom Line

Life insurance doesn’t have to be confusing or overwhelming. At DeFazio Insurance Brokerage, Inc., we take pride in making the process simple, transparent, and stress-free.

When you understand your options, you can make confident decisions that protect your family and build your legacy.

📞 Contact Andrew DeFazio
Independent Life Insurance Broker
📧 andrew@defaziolife.com

📱 (916) 715-3375
🌐 www.defaziolife.com

📍 690 La Sierra Dr, Sacramento, CA 95864