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Nov 152013
 
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Having insurance is very important. You can have many different types of insurance. Medical, Dental, Life, Homeowners to name a few. Everyone needs some kind of insurance because you never know what could happen. When you are looking at what kinds of benefits your family needs you should make a list of different things you want. Are you done having children? You don’t need maternity coverage. How much life insurance would you like to leave to your family? There are some plans that just cover your expenses and others that really help provide in the event of your death. This is a decision you shouldn’t make without research.

Almost 2/3 of workers go on autopilot when it’s time to renew their benefits in the Fall, which could mean missing out financially. MetLife, the largest U.S. life insurer, is hosting a YouTube campaign series called “Stop. Drop. Enroll.” This video series is designed to help consumers get the most of their employer-provided benefits, including medical and dental–and the protection it can provide for families and kids. MetLife is encouraging employees to STOP.WATCH.ENROLL this seasons benefits. Most employers’ auto enroll during benefits season. This year they are encouraging you to stop the routine. Watch educational videos to learn more about your options. Then, enroll in the right benefits that can help you build the financial security you need.

Tip: Look for tools and resources to help you make the most of the benefit options available to you and your family. MetLife has an easy-to-use life or disability insurance calculator, which can provide instant quotes. When using these tools, you’ll be prompted to answer a few quick questions, and then you’ll received customized recommendations right away.

Did you know that Americans on average only spend twenty minutes a year evaluating their benefits including medical. The Average American spends 16,020 minutes watching TV. We also spend 7,260 minutes a year on Social Media. I think you could spend 60 minutes less watching TV and 60 minutes less on Social Media and use that time productively on your insurance. If something happens to you will your TV or Social Media take care of you or your family? Be sure to evaluate your plans every year. Our circumstances change. We get married, have children, move, and grow older. Only 46% of people who are eligible for insurance changes actually make them. That leaves a lot of consumers that miss out. Employees say that 61% of them have gone through a big life changing event in the last year that may alter their insurance needs.

Be sure to watch the video above, and then let me know if you made any changes to your insurance plan this season!  Did you have any life events or milestones that prompted a change?

MetLife Open Enrollment Tip Sheet

This is a sponsored post, but as always, all thoughts and opinions are my own.

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  12 Responses to “Are You Missing Out Financially When It Comes To Insurance?”

  1. Insurance is so important to have. It gives my family peace in mind knowing that we won’t go into a huge amount of debt over medical issues. So many unexpecteds in life…it’s good to be prepared!
    Courtney Solstad recently posted..20 FREE 5×7 Photo Cards (Free Shipping too!)

  2. This year my husband’s employer encouraged us to take wellness coaching to be eligible for lower rates. I participated this year because it helped me de-stress a bit more.
    Joyce@MommyTalkShow.com recently posted..Enter to win iPad Mini + $500 Isotoner Shopping Spree

  3. I hate when I feel like I don’t know enough about insurance. I’m definitely one of those people who auto enroll. Thanks for this informative video. We really need to take a closer look at what we pay for.
    Jamie recently posted..Kids Really Do Say the Darndest Things With NickMom

  4. My hubby works in HR with benefits, so we always analyze every year. We have a baby due 12/31, so we will be making that addition as soon as she arrives:)
    Krystyn @ Really, Are You Serious? recently posted..On the Cover of ESPN Magazine | Mommy and Me Monday | The 196th ed

  5. I would say yes. A huge life change for us is when I gave birth to Jasmine. After our first child was born we both took out life insurance policies on ourselves.
    Tiffany recently posted..Perfume makes for a great Christmas gift

  6. Great infographic! I need to really look at my insurance and see what discounts I qualify for.
    OurFamilyWorld recently posted..Gift Ideas for Mom: What to Buy a New Mom for the Holidays

  7. I’m going to be honest – I’m thankful my husband deals with most of this… Insurance always makes my head spin!!
    Emily recently posted..The “Breast” in Show from ABC Kids Expo #Breastfeeding

  8. lol – the time spent looking at insurance options and the time spent on other things like TV and social media is hilarious…. our insurance is through my husband’s employer so I usually let him deal with all of it, but I know rates are going up a lot right now and there aren’t really any other options :/
    Emily @ Baby Dickey recently posted..I mustache you, did you Mug Up this month?

  9. Totally missing out on time but love when the process is made easier. Great tools here!
    kristin recently posted..Publishers Clearing House – The Give Back Event

  10. Insurance is so not my thing. I get so confused by it all!

  11. We have to update our insurance policy now that our little one arrived!
    Insurance is never a fun topic to discuss or handle, but I always feel secure knowing that I am covered

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