Millions of Americans have No Life Insurance

Only 61% of adult Americans have life insurance (down from 70% in 1984).

Only 41% of adult Americans have individual life insurance, many rely on group insurance leaving them vulnerable if they lose their job.

The average life insurance needed, based on calculations recommended by the U.S. Government for victims of 9/11, is $459,000...The average insurance coverage owned is $126,000.

Almost half the population would be inadequately prepared if the primary breadwinner would die tomorrow.

Some 45% of widows and 37% of widowers say their spouse was inadequately insured.

Within two years after death, 50% of the widows and 33% of the widowers are "just getting by" financially.

In the last two years, 11% of America households shopped for life insurance only 8% bought - about 890,000 households out of 111 Million.

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Most Americans don't recognize their need for life insurance coverage, only 29% felt they needed more.

30% of middle-market consumers (household income between $25,000-$85,000) find it difficult to determine how much life insurance to buy; 45% never had a Needs Analysis done.

Agents and brokers are seen as the most useful source of information when buying life insurance - more so than the internet, books and magazines, or TV and radio programs.

Facts from LIMRA International for LIAM, August 2004 Special Edition

Ramone Petite

MORE RESOURCES:

Concepta Insurance Consolidation Facility Receives DOJ Clearance - MarketWatch

Health insurance sticker shock hits consumers - Chicago Tribune

table border=0 width= valign=top cellpadding=2 cellspacing=7trtd valign=top class=jfont style=font-size:85%;font-family:arial,sans-serifbrdiv style=padding-top:0.8em;img alt= height=1 width=1/divdiv class=lha href=http://news.google.com/news/url?sa=Tct=us/1-0fd=Rurl=http://newsblogs.chicagotribune.com/triage/2008/12/health-insuranc.htmlcid=1276133500ei=5rY0SdR9mo71BL3DlR4usg=AFQjCNGt32dw3xHNIpmpQ2T-c5k6G9HlgwHealth binsurance/b sticker shock hits consumers/abrfont size=-1font color=#6f6f6fChicago Tribune,nbsp;United Statesnbsp;-/font nobr9 hours ago/nobr/fontbrfont size=-1Health binsurance/b sticker shock overcame Mickey Trznadel when he opened an envelope from Blue Cross and Blue Shield of Illinois earlier this year, b.../b/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-1fd=Rurl=http://www.marketwatch.com/news/story/Blue-Cross-Blue-Shield-Michigan/story.aspx%3Fguid%3D%257B5379FA18-BBBE-4084-A40A-AB5CFFB0BDAD%257Dcid=1276133500ei=5rY0SdR9mo71BL3DlR4usg=AFQjCNGEeVKa2s2Cyh-oNRqnjkaKe2mOZABlue Cross Blue Shield of Michigan Answers Attorney General/a font size=-1 color=#6f6f6fnobrMarketWatch/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-2fd=Rurl=http://www.mlive.com/annarbornews/news/index.ssf/2008/12/blues_michigan_ag_continue_hea.htmlcid=1276133500ei=5rY0SdR9mo71BL3DlR4usg=AFQjCNEJ5Wh2bMxnQjR9sDUjV0Ayd6lfMgBlues, Michigan AG continue health binsurance/b fight/a font size=-1 color=#6f6f6fnobrMLive.com/nobr/font/fontbrfont size=-1a href=http://news.google.com/news/url?sa=Tct=us/1-3fd=Rurl=http://www.mlive.com/kzgazette/news/index.ssf/2008/12/blue_cross_blue_shield_of_mich.htmlcid=1276133500ei=5rY0SdR9mo71BL3DlR4usg=AFQjCNHG4yX0T3g4UAFah0_1bpVEFgXMGQBlue Cross Blue Shield of Michigan continues push for health b.../b/a font size=-1 color=#6f6f6fnobrKalamazoo Gazette - MLive.com/nobr/font/fontbrfont size=-1 class=pa href=http://news.google.com/news/url?sa=Tct=us/1-4fd=Rurl=http://www.freep.com/article/20081201/FEATURES08/81201068cid=1276133500ei=5rY0SdR9mo71BL3DlR4usg=AFQjCNHHKO-Zdq7x2UTd_4L20tA7IDcnXgnobrDetroit Free Press/nobr/anbsp;- a href=http://news.google.com/news/url?sa=Tct=us/1-5fd=Rurl=http://www.crainsdetroit.com/article/20081201/FREE/812010270/-1cid=1276133500ei=5rY0SdR9mo71BL3DlR4usg=AFQjCNEOrpkwsh65KkIMclLUfOZT48J7DgnobrCrain's Detroit Business/nobr/a/fontbr/font class=p size=-1a class=p href=http://news.google.com/news?sourceid=navclientie=ISO-8859-1rls=GGLG,GGLG:2005-22,GGLG:enncl=1276133500hl=ennobrall 23 news articles/nobr/a/font/div/font/td/tr/table

Morning Rounds Rising Stress Levels, Limited Health Insurance and ... - New York Times

Premiums for workers#39; comp insurance to rise 3% - Seattle Times

Drivers without insurance will have their vehicles towed after Jan. 1 - Dallas Morning News

State warns about auto insurance phone scam - Akron Beacon Journal

Navigators Expands and Strengthens Professional Liability Division - MarketWatch

Prudential PLC eyes AIG#39;s Taiwanese life insurance unit - MarketWatch

RAM Holdings Announces Commutation of $10.6 Billion Par MBIA ... - MarketWatch

Fabian Nunez Joins Zenith#39;s Board of Directors - MarketWatch

Insurance - Google News

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