{"id":3725,"date":"2025-09-23T13:37:20","date_gmt":"2025-09-23T13:37:20","guid":{"rendered":"https:\/\/www.jubi24.com\/?p=3725"},"modified":"2025-09-23T13:37:20","modified_gmt":"2025-09-23T13:37:20","slug":"life-insurance-is-more-affordable-than-you-think-heres-why-you-should-consider-it","status":"publish","type":"post","link":"https:\/\/www.jubi24.com\/?p=3725","title":{"rendered":"Life insurance is more affordable than you think. Here&#8217;s why you should consider it"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div data-testid=\"prism-article-body\">\n<p class=\"EkqkG IGXmU nlgHS yuUao MvWXB TjIXL aGjvy ebVHC \"><em class=\" \">Amica Insurance is a sponsor of &#8220;Good Morning America.&#8221;<\/em><\/p>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">September marks National Life Insurance Awareness Month, and experts say it&#8217;s a good time to remember that many families are leaving themselves financially vulnerable, and that coverage is more affordable than you might think.<\/p>\n<h2 class=\"RxNCg ykkUm PvZ nIjPJ PMXYp LmsHF SfAHY mNgye lNbol LBPRq rBLIK \">A story that hits close to home<\/h2>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">For Vinny Fiorino, senior assistant vice president at Amica Insurance, the importance of life insurance is more than professional, it&#8217;s personal.<\/p>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">At 29, as he and his wife prepared to welcome their first child, they decided to wait before applying for life insurance coverage. Just months into the pregnancy, his wife was diagnosed with cancer, making her ineligible for a policy.<\/p>\n<div class=\"oLzSq QrHMO fnRUo pvsTF EhJPu vPlOC zNYgW OsTsW RMeqy daRVX ISNQ sKyCY eRftA acPPc MENS nFwaT MCnQE mEeeY SmBjI xegrY rPLsU iulOd NIuqO zzscu lzDCc aHUBM IEgzD OjMNy eQqcx SVqKB GQmdz jaoD VWDdR ONJdw vrZxD OnRTz gbbfF roDbV GPGwb oMlSS gfNzt oJhud eXZcf zhVlX \">\n<div>\n<div class=\"InlineImage GpQCA lZur asrEW \" data-testid=\"prism-inline-image\">\n<figure class=\"kzIjN GNmeK pYrtp dSqFO \" data-testid=\"prism-figure\"><figcaption>\n<div class=\"nMMea bNYiy Mjgpa dGwha DDmxa jgKNG RGHCC aBIU PriDW lZur \" data-testid=\"prism-caption\"><span class=\"hsDdd OOSI GpQCA lZur VlFaz \" data-testid=\"prism-truncate\"><span><span class=\"gtOSm FbbUW tUtYa vOCwz EQwFq yCufu eEak Qmvg nyTIa SRXVc vzLa jgBfc WXDas CiUCW kqbG zrdEG txGfn ygKVe BbezD UOtxr CVfpq xijV soGRS XgdC sEIlf daWqJ \">Vinny Fiorino, senior assistant vice president at Amica Insurance, shares the importance of life insurance.<\/span><\/span><\/span><\/p>\n<p><span class=\"gtOSm FbbUW tUtYa vOCwz EQwFq yCufu eEak Qmvg nyTIa SRXVc vzLa jgBfc WXDas CiUCW kqbG zrdEG txGfn ygKVe BbezD UOtxr CVfpq xijV soGRS XgdC sEIlf daWqJ YNujN JGtjI aZFDu rkKLh \">Amica Insurance<\/span><\/p>\n<\/div>\n<\/figcaption><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">She passed away soon after their daughter was born, and Fiorino was left with only a small spousal policy through his then-employer. With his savings depleted from medical costs, he was forced to return to work just three weeks later.<\/p>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">His story underscores a harsh reality: Life can change in an instant, and without a plan in place, families are often left struggling to recover both emotionally and financially.<\/p>\n<h2 class=\"RxNCg ykkUm PvZ nIjPJ PMXYp LmsHF SfAHY mNgye lNbol LBPRq rBLIK \">The bigger picture<\/h2>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">Data from the Life Insurance Marketing and Research Association shows the risks of going without life insurance are widespread.<\/p>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">Forty percent of adults say their loved ones would be barely or not at all financially secure if the primary wage earner died unexpectedly. Nearly half say they would have trouble paying bills in less than six months.<\/p>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">Experts stress that life insurance can help prevent that financial freefall, covering essentials like housing, education and day-to-day expenses during a family&#8217;s hardest moments.<\/p>\n<div class=\"oLzSq QrHMO fnRUo pvsTF EhJPu vPlOC zNYgW OsTsW RMeqy daRVX ISNQ sKyCY eRftA acPPc MENS nFwaT MCnQE mEeeY SmBjI xegrY rPLsU iulOd NIuqO zzscu lzDCc aHUBM IEgzD OjMNy eQqcx SVqKB GQmdz jaoD VWDdR ONJdw vrZxD OnRTz gbbfF roDbV GPGwb oMlSS gfNzt oJhud eXZcf zhVlX \">\n<div>\n<div class=\"InlineImage GpQCA lZur asrEW \" data-testid=\"prism-inline-image\">\n<figure class=\"kzIjN GNmeK pYrtp dSqFO \" data-testid=\"prism-figure\"><img decoding=\"async\" class=\"hsDdd NDJZt sJeUN IJwXl vBqtr KrDt itslR zFTjo hakZw HlUVI \" data-testid=\"prism-image\" src=\"https:\/\/www.jubi24.com\/wp-content\/uploads\/2025\/09\/vinny-4-ht-gmh-250922_1758546886878_hpEmbed_11x16.jpg\" \/><figcaption>\n<div class=\"nMMea bNYiy Mjgpa dGwha DDmxa jgKNG RGHCC aBIU PriDW lZur \" data-testid=\"prism-caption\"><span class=\"hsDdd OOSI GpQCA lZur VlFaz \" data-testid=\"prism-truncate\"><span><span class=\"gtOSm FbbUW tUtYa vOCwz EQwFq yCufu eEak Qmvg nyTIa SRXVc vzLa jgBfc WXDas CiUCW kqbG zrdEG txGfn ygKVe BbezD UOtxr CVfpq xijV soGRS XgdC sEIlf daWqJ \">Vinny Fiorino, senior assistant vice president at Amica Insurance, shares the importance of life insurance.<\/span><\/span><\/span><\/p>\n<p><span class=\"gtOSm FbbUW tUtYa vOCwz EQwFq yCufu eEak Qmvg nyTIa SRXVc vzLa jgBfc WXDas CiUCW kqbG zrdEG txGfn ygKVe BbezD UOtxr CVfpq xijV soGRS XgdC sEIlf daWqJ YNujN JGtjI aZFDu rkKLh \">Amica Insurance<\/span><\/p>\n<\/div>\n<\/figcaption><\/figure>\n<\/div>\n<\/div>\n<\/div>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">Coverage is more affordable and less complicated than you think. It can cost less than a cup of coffee per week, and it&#8217;s not just for breadwinners &#8212; anyone with financial responsibilities should consider it.<\/p>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">Amica Insurance helps tailor plans to give families peace of mind.<\/p>\n<h2 class=\"RxNCg ykkUm PvZ nIjPJ PMXYp LmsHF SfAHY mNgye lNbol LBPRq rBLIK \">Tips for families<\/h2>\n<p class=\"EkqkG IGXmU nlgHS yuUao lqtkC TjIXL aGjvy \">Drawing from both his personal and professional experience, Fiorino shared some key things viewers should keep in mind:<\/p>\n<ol class=\"sfxjZ dAmzA UoVV WtEci dSKvB seFhp TMeGR TkyGY hEiRX \" data-testid=\"prism-list\">\n<li class=\"mmrhV WeAzC lZur foTEL SpgmX cnYss qArv ESvCM YyWF RNOHQ Sejom GPVoW \" data-testid=\"prism-list-item\"><strong class=\"vtkaO \">Don&#8217;t wait: <\/strong>Waiting for the perfect time can cost you more and risk insurability. Even modest coverage is better than none when starting out.<\/li>\n<li class=\"mmrhV WeAzC lZur foTEL SpgmX cnYss qArv ESvCM YyWF RNOHQ Sejom GPVoW \" data-testid=\"prism-list-item\"><strong class=\"vtkaO \">Start early to save more:\u2028<\/strong>Coverage is more affordable and less complicated than you think. It can cost less than a cup of coffee per week, and it&#8217;s not just for breadwinners &#8212; anyone with financial responsibilities should consider it. Amica Insurance helps tailor plans to give families peace of mind.<\/li>\n<li class=\"mmrhV WeAzC lZur foTEL SpgmX cnYss qArv ESvCM YyWF RNOHQ Sejom GPVoW \" data-testid=\"prism-list-item\"><strong class=\"vtkaO \">Understand your coverage needs:<\/strong>\u2028Evaluate your financial obligations&#8211;mortgage, education, income replacement &#8212; to determine the right coverage amount.<\/li>\n<li class=\"mmrhV WeAzC lZur foTEL SpgmX cnYss qArv ESvCM YyWF RNOHQ Sejom GPVoW \" data-testid=\"prism-list-item\"><strong class=\"vtkaO \">Don&#8217;t rely solely on employer coverage:<\/strong>\u2028Company-provided life insurance may not be sufficient or portable. Consider individual policies for full protection.<\/li>\n<li class=\"mmrhV WeAzC lZur foTEL SpgmX cnYss qArv ESvCM YyWF RNOHQ Sejom GPVoW \" data-testid=\"prism-list-item\"><strong class=\"vtkaO \">Choose the right type of policy:<\/strong> <em class=\" \">Term Life<\/em><em class=\" \">:<\/em> Ideal for temporary needs like income replacement or debt coverage. <em class=\" \">Whole Life:<\/em><em class=\" \"> <\/em>Offers lifelong coverage and builds cash value.<\/li>\n<li class=\"mmrhV WeAzC lZur foTEL SpgmX cnYss qArv ESvCM YyWF RNOHQ Sejom GPVoW \" data-testid=\"prism-list-item\"><strong class=\"vtkaO \">Review your policy regularly:\u2028<\/strong>Life changes &#8212; marriage, children, home purchases &#8212; can affect your insurance needs. Reassess coverage periodically.<\/li>\n<li class=\"mmrhV WeAzC lZur foTEL SpgmX cnYss qArv ESvCM YyWF RNOHQ Sejom GPVoW \" data-testid=\"prism-list-item\"><strong class=\"vtkaO \">Designate and update beneficiaries:<\/strong>\u2028Ensure your policy reflects your current wishes. Keep beneficiary designations up to date to avoid legal complications.<\/li>\n<li class=\"mmrhV WeAzC lZur foTEL SpgmX cnYss qArv ESvCM YyWF RNOHQ Sejom GPVoW \" data-testid=\"prism-list-item\"><strong class=\"vtkaO \">Work with a licensed representative:<\/strong>\u2028Amica&#8217;s specialists offer personalized guidance to help you choose the right coverage without pressure.<\/li>\n<li class=\"mmrhV WeAzC lZur foTEL SpgmX cnYss qArv ESvCM YyWF RNOHQ Sejom GPVoW \" data-testid=\"prism-list-item\"><strong class=\"vtkaO \">It&#8217;s more affordable than you think:\u2028<\/strong>Many people overestimate the cost of coverage.<\/li>\n<li class=\"mmrhV WeAzC lZur foTEL SpgmX cnYss qArv ESvCM YyWF RNOHQ Sejom GPVoW \" data-testid=\"prism-list-item\"><strong class=\"vtkaO \">Use life insurance for estate planning:<\/strong>\u2028Life insurance can help cover estate taxes and ensure your heirs receive their intended inheritance.<\/li>\n<\/ol>\n<h2 class=\"RxNCg ykkUm PvZ nIjPJ PMXYp LmsHF SfAHY mNgye lNbol LBPRq rBLIK \">To learn more, check out the resources below from Amica Insurance:<\/h2>\n<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/www.goodmorningamerica.com\/shop\/story\/life-insurance-affordable-125677324\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Amica Insurance is a sponsor of &#8220;Good Morning America.&#8221; September marks National Life Insurance Awareness Month, and experts say it&#8217;s a good time to remember that many families are leaving themselves financially vulnerable, and that coverage is more affordable than you might think. A story that hits close to home For Vinny Fiorino, senior assistant &#8230; <a title=\"Life insurance is more affordable than you think. Here&#8217;s why you should consider it\" class=\"read-more\" href=\"https:\/\/www.jubi24.com\/?p=3725\" aria-label=\"Read more about Life insurance is more affordable than you think. Here&#8217;s why you should consider it\">Read more<\/a><\/p>\n","protected":false},"author":1,"featured_media":3726,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"","fifu_image_alt":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[],"class_list":["post-3725","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/www.jubi24.com\/wp-content\/uploads\/2025\/09\/Life-insurance-is-more-affordable-than-you-think-Heres-why.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/www.jubi24.com\/index.php?rest_route=\/wp\/v2\/posts\/3725","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jubi24.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.jubi24.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.jubi24.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jubi24.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=3725"}],"version-history":[{"count":1,"href":"https:\/\/www.jubi24.com\/index.php?rest_route=\/wp\/v2\/posts\/3725\/revisions"}],"predecessor-version":[{"id":3727,"href":"https:\/\/www.jubi24.com\/index.php?rest_route=\/wp\/v2\/posts\/3725\/revisions\/3727"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jubi24.com\/index.php?rest_route=\/wp\/v2\/media\/3726"}],"wp:attachment":[{"href":"https:\/\/www.jubi24.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=3725"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.jubi24.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=3725"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.jubi24.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=3725"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}