2016 is over, and we are in a new year. With a new year come new resolutions. But let’s be honest. How many people actually stick with their resolutions? We did a little digging, and according to a 2015 study by the University of Scranton study, 45% of people set a New Year’s goal for their lives, such as losing weight or saving money.
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When you buy a life insurance policy, you are essentially transferring your financial risk to a life insurer which then becomes obligated to pay your beneficiaries based on the contracted amount of death benefit purchased. The life insurer is able to assume the risk because, based on its data, it knows when you are expected to die.