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Life insurance isn’t just a smart choice. It’s a crucial step in securing your family’s financial stability and peace of mind.

Unfortunately, 52% of Americans avoid life insurance because they think it’s too expensive. What’s more, 82% significantly overestimate its cost, often guessing three times higher than the actual figures.

Let’s look at the real numbers: As of April 2024, the average cost for a healthy 40-year-old purchasing a 20-year, $500,000 term life insurance policy is about $26 per month ($312 per year). However, a 30-year-old woman might pay approximately $205 per year for the same policy, while a 30-year-old man might pay around $352 per year.

Understanding these variations underscores the importance of getting a personalized quote that fits your unique needs and budget. Don’t let myths deter you from this vital protection.

Contact our Melville life insurance team today for an accurate, personalized life insurance quote. We’re here to help you find an affordable plan that delivers the security your family deserves.

How does saving thousands of dollars in car repairs sound? We’re here to share some maintenance tips that may do just that! Check them out below:

• Check your spare tire – It’s just as important to keep the backup tire inflated as it is to the four tires under your car. Test the air pressure of your driving tires and spare tire once a month.
• Change the oil – Since oil affects many of your car’s functions, oil problems can be costly to fix. Pay as little as $25 to change your oil, and generally do so every 5,000 miles.
• Keep the battery clean – If you don’t keep it clean, it could develop a crack or not function properly. Test your battery twice a year and inspect it for corrosion.
• Replace the brake pads – Check the brake fluid every time you change the oil. If it’s dark in color, reach out to a mechanic to get your brake fluid changed and see if a new system is needed.
• Replace your air filter – Change your air filter every 12 months or 12,000 miles, as using an old air filter can lead to significant – and costly – problems for your air conditioning system.
• Get your tires rotated – Rotate your tires every 3,000 to 5,000 miles, and you can extend their life–and save yourself $400 to $800 for a brand-new set of four.

Got any car maintenance tips to add to this list? Comment them below! And as always, reach out to our team with any auto insurance questions–we’re here to help.

Shout out to Steve Fuoco for securing the May calendar spot with his beautiful photo taken of Modum, Norway.