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January 12, 2017 12:27 am
(Family Features)--Protecting your family and loved ones is one of your most important responsibilities. Many people think about protection in terms of physical acts, such as practicing safe driving, but there are many more aspects of your lifestyle and home that affect your loved ones’ safety.
Protect your family’s financial health
Although it can be painful to consider, your untimely death may leave your family reeling – not only emotionally, but financially, too. Life insurance can help cover funeral costs, child care or act as income replacement. It can also help pay off any loans you’ve accrued, such as a home mortgage, car payment, credit card debt or student loans.
If you don’t have life insurance, it’s never too soon to explore your coverage options. You may be able to save on premiums and get more coverage for your dollar by completing a health exam as part of your application, which helps build a more accurate assessment of your health.
If you do have coverage, it’s a good idea to regularly review your coverage to ensure it still meets your needs. Also check your beneficiaries to ensure your policies are updated with your current information, especially if your family has grown.
Ensure your family is breathing safe air
One threat you may not be aware of is radon, a radioactive gas that occurs naturally in the environment but can create significant health consequences in anyone exposed to unsafe levels.
Radon is an odorless, colorless and tasteless gas that can go undetected in homes until it is too late. According to the U.S. Environmental Protection Agency, radon is the leading cause of lung cancer deaths among non-smokers in America, and claims the lives of nearly 21,000 Americans each year.
Know your own health status
It is difficult to protect loved ones if you are not healthy yourself. Make sure you receive proper preventive care, such as regular health screenings and check-ups that are recommended for your gender and age.
Many employers and health plans offer health screenings. If you have applied for life insurance, many policies provide the laboratory results from your application that you can share with your physician. Find a checklist of important preventive screenings at CDC.gov/Prevention.
Protect the home of your loved ones
There are over 2 million burglaries annually in the United States, according to FBI statistics. Home security systems can help put your mind at ease, and having a security system can also decrease the premiums you pay for monthly homeowner’s insurance. Studies have shown that homes with a security system see a 39 percent decrease in financial loss compared to homes with no security system.
Safeguard your family from fire hazards
The National Fire Protection Association estimates that two-thirds of home fire deaths result from fires in homes with either no smoke alarms or non-working smoke alarms. Batteries wear out and may be taken out to cease persistent beeping then never replaced. Smoke alarms should be in every bedroom, outside every sleeping area and on each level of your home.
In addition to regularly checking alarms and batteries, it’s a good idea to make a family escape plan in the event of a fire.
Published with permission from RISMedia.
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