“My smartphone is worth more than my family.”

Who would say that? No one. But who’s about that life? Most Americans. Let’s examine, shall we?

I get it. Who loves to pay for insurance? Absolutely no one–except for me (and my clients) who has tax-sheltered cash value growing inside of my life insurance policy, maxing out on my “Preferred Elite” health and never-this-young-again age, all while outsmarting taxes like a G, as if it’s illegal activity but isn’t. (More exciting 411 on this sexy subject here.)

Back to my original point, the fact of the matter is, we buy insurance to protect the things we care about and value because we never know what could happen to our smartphone, car, health, and home. Moreover, we buy insurance to cover our butts and other butts in case of accidents, which can happen anytime.

Do you have car insurance? Of course you do. We can’t really drive without it. How about insurance for your smartphone? How much does your smartphone insurance cost? According to my research, smartphone insurance is anywhere between $9 and $17 per month and smartphones typically cost up to $1,000. That’s a lot of money! (Double the amount most Americans don’t have saved up as an emergency fund.) Most of us, if not all of us, can’t function without our smartphone so it only makes sense to protect it–just in case something goes wrong.

But how about your life? How much is your life worth? How about your family? Your mom? Your dad? Your siblings? Your (future) spouse? Your (future) kids? How much are they worth? They’re priceless, aren’t they? According to my research and database, for $100,000 of tax-free life insurance with preferred health, it can be as low as $24 per month… As a 55-year old male! The younger and healthier you are, the lower the premiums. We’re talking as low as $11 per month for a 35-year-old! So let me ask you: Your smartphone is worth $9-17 per month, but is your family worth $11-24 per month?

As you can see, smartphone insurance and life insurance are very comparable in premiums… The value of each is incomparable though. As much as we can’t function without our smartphones, our lives and families are invaluable by comparison.

The difference is that smartphone insurance is needed just in case something goes wrong, whereas life is full of changes and as much as we hate to think of our eventuality, no one gets out of here alive so protecting yourself and your loved ones isn’t a just in case basis, it’s necessary. (But that’s only if you give a shit. I can’t give a shit for you.)

We can’t drive without car insurance just in case, but we can live our lives without life insurance knowing that our lives will one day come to an end. Crazy, isn’t it? Or are we crazy to not see anything wrong with this?

According to Colton Ciolfitto’s article “5 Shocking Mobile Phone Statistics that Will Blow Your Mind,” chances are 1.45% of mobile phone owners will accidentally damage their phones, and we have smartphone insurance just in case. However, the truth is 100% of us will die, but most of us do not have life insurance. What the smartphone is up with our lives?

So what life are you about? “My smartphone is worth more than my family” or “My family is worth more than my smartphone.”

Ready to learn more about how cheap life insurance can be? Make the most of your smartphone and life and simply fill out this form below.

© 2019-2020 by Uyen Nguyen

5 thoughts on ““My smartphone is worth more than my family.””

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