While it's true that we are now living longer than at any time in history, the fact remains that we're not immortal. Of course, thinking about your eventual demise is never pleasant, but planning for it is probably the most responsible course. If you're one of those people who thinks that tragedy will never strike close to home, you're not alone.
Sometimes a subtle wake-up call laced with factual data can help move us in the right direction. Here are some startling statistics about accidents, injuries, and even fatal illnesses in the United States and some ways that you can protect your family's financial future.
Leading Causes of Death in the United States
Each year, more than 2.5 million people in the U.S. take their final breath. Of the top five leading causes of death, four are due to illness which may or may not appear unexpectedly. This is particularly the case with cancer, which claims more than half a million people each year. Other leading causes of death due to illness are heart disease, chronic lower respiratory diseases, and stroke. What many don't realize is how frequently unintentional injuries have fatal consequences.
Accident and Injury Deaths
Accidents are now the fourth leading cause of death in the United States, claiming more than 136,000 lives each year. Of these, more than half are either due to unintentional falls or to a motor vehicle accident. If you walk around, have a job, or drive a car, these numbers should be an eye-opener.
Many accidents and deaths related to falling occur in adults aged 65 and over. As we age, our lower bodies aren't as strong, and things such as balance or vision can become issues. Falls in older adults often lead to broken bones, traumatic brain injuries, and even death. Yet, falls aren't limited to older adults. According to the latest Bureau of Labor Statistics data, 819 people were killed in 2014 alone in workplace falls.
Motor vehicle accidents continue to be one of the leading causes of concern in the U.S. There were over 33,800 motor vehicle traffic deaths in 2014, and these are some of the main causes of injury deaths in nearly every age group in this country. According to the Insurance Institute for Highway Safety, these death toll numbers on our roads are impacted by alcohol use, speeding, unsafe driving, and lack of safety belt use. While you may be a safe and conscientious driver, remember that you can't control what someone else is doing with their body or their vehicle.
Protecting Your Family with Term Life Insurance
Reading and thinking about accident statistics and mortality isn't likely to lift your mood. Yet, taking steps to protect your family's financial future should give you some peace of mind. Accidents can and do happen, with some alarming frequency. Simply going on believing that nothing bad will ever happen could be both unrealistic and irresponsible.
A simple term life insurance policy can give your loved ones the necessary protection should a tragedy occur. A life insurance policy can pay for burial expenses, replace lost income, take care of your children's education, and even supplement a spouse's retirement. The best news is that a term life insurance policy is surprisingly affordable. Putting off setting up this safety net just doesn't make sense any longer. Contact us to complete a simple needs assessment or begin with our term life calculator now.