She had just gotten off the phone with her car dealer service guy who was suggesting about $500 in “work” be done on her car that had just crossed 15,000 miles. Many of the line items she read off fell under “diagnostics.” When she asked me what to do, I suggested she go with the oil change and call it a day. Her car happens to have a computerized system that will tell her when things need to be done, therefore constantly running it’s own “diagnostics.” She wondered out loud why they would suggest so many other services as being “necessary” (Yes, I’m having a quotation mark problem today. No, I’m not going to curb it. It’s the first day back from holiday for Christ’s sake.). My answer was simple. To create FEAR.
“That’s a whole lot of money to pay for some fear.”
This lead into a debate of premium vs. regular fuel, but I’m not going to take you down that foxhole. Once was enough.
When you take a look around our world you see examples of fear based communication. I mean, seriously, if we need to have disclosures on our clothes dryers that say,”don’t place children inside the dryer, close the door, and turn it on” we’re living in a world with a huge dose of irrational fear. And irrational law suits, but that’s a post for a different day.
Unfortunately, we make a lot of decisions based on fear. And then there are those we DON’T make, based on fear.
Like life insurance.
“I’m afraid I can’t afford it.”
“I’m afraid I can’t be underwritten.”
“I’m afraid something might actually happen if I do take care of it.”
Are any of these rational? No. The first two are simply excuses or myths that are most likely untrue and the last, nothing short of superstition.
The reality? The damage that can be caused by not having life insurance when it’s needed is “a whole lot of money to pay for some fear.”
That same old friend with the car just bought a $1 million dollar policy for $22.06 a month. At that rate, everyone should have one.
Even your dog.
**Very, very serious and important disclosure: you can’t really buy life insurance for dogs. Or cats. And definitely not pet tarantulas.