(ARA) - Struggling to keep those New Year's resolutions? Don't worry. Research shows that more than 65 percent of people break their resolutions within three weeks, and that it takes about a month of concerted effort to form a new healthy habit such as routinely working out.
Whether the resolution is to quit smoking, lose weight, reduce debt or spend more time with family, people generally design resolutions to help achieve an even better life than what is lived today. So while you're focused on making improvements to your lifestyle, this is also a great time of year to ensure you have adequate life insurance, to protect the life you're working to build for yourself and your loved ones.
The best part of making a resolution regarding your life insurance is that it's a simple resolution that you can easily keep. TD Insurance can help you take the stress out of shopping for life insurance by offering affordable pricing from top-rated insurance companies with the most appropriate coverage for you. They've made it so easy, you can do-it-yourself online at www.tdbank.com/lifequote
It's never too early - or too late - to think about purchasing life insurance, which provides peace of mind that your family is protected even if you aren't there to take care of them. Major life events typically cause you to think about the future; you might buy life insurance when you're planning to get married, have a baby, or purchase a home. But even if you're not doing any of those things yet, or you've done them all already, having life insurance can help you prepare for the unexpected.
Term life insurance helps protect your loved ones' financial situations, should they need it. It can also help provide an income for your family, pay outstanding balances on your debt, help provide for your children's education, and/or cover final expenses.
"Marriage, having a child, or buying a house can make purchasing or increasing life insurance protection an urgent priority for many people," says Joe Fico, president and CEO of TD Insurance. "But at the beginning of a new year, when you're likely to be evaluating your lifestyle and making positive changes, it makes good sense to also ensure you have adequate coverage."
If you're considering a life insurance policy, Fico says the hardest thing to figure out is how much coverage you need, and that depends on your unique needs and those of your family. When determining the right amount of coverage for you and your family, you'll want to consider the following questions:
* What are your short-term financial needs?
* What are your long-term debts?
* How much would it cost to maintain your family's current lifestyle?
* What is your family's total number of assets?
Answering these questions will help ensure you get the appropriate amount of coverage for your family's individual situation. Then, you can use the links on TD Insurance's website to help you quickly review and compare policies and rates from the nation's top life insurance providers.
Fico suggests reviewing your life insurance needs each year to make sure that your coverage stays aligned with your situation and budget.
So why not make a resolution that you can easily keep in the new year? Put life insurance on your list.