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Are you prepared for unexpected financial risks?

The numbers tell the story:

  • Nearly 2 out of 3 Americans live paycheck to paycheck.1
  • More than 50% have less than $10,000 saved.2

Too many people aren’t prepared for life’s hard-to-predict financial risks like:

  • Loss of income due to premature or accidental death,
  • Loss of income due to illness or injury,
  • Out-of-pocket medical and non-medical expenses3 due to an accident or illness.

You can help protect yourself

Financial Wellness is being prepared to maintain your lifestyle in the face of unexpected risk. Insurance is one way to help protect yourself financially against these risks.

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Risks? Nah! Won’t happen to me!

It’s human nature to be optimistic. We tend to think bad things happen to other people, but not to us. But take a realistic look, which can help you prepare for the unexpected.

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Learn about the importance of planning for the future.

Even though we’ve all experienced ups and downs in the past, we tend to underestimate the likelihood of anything unexpected happening in our futures. While it’s good to think optimistically, it’s important to plan realistically.

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Know the odds today, so you can plan for tomorrow.

As humans, we’re surprisingly bad at assessing risk in our lives. The Game of Odds should help prove that to you.

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How can optimism bias affect your future?

We hosted a seminar to tell people about the human tendency to be overly optimistic about the future. The thought they were just there to listen—they didn’t realize they’d be a part of it.

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What do our searches say about us?

The things we’re searching for say a lot about our priorities. Based on these charts, we’re thinking a lot more about today than tomorrow.

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Talk to your employer about group insurance coverages that may be available to you.

 

Footnote

The Prudential Insurance Company of America (Prudential)

1 American Payroll Association, Getting Paid in America Survey, 2015.

2 Financial Wellness Index Research, April 2014. Represents the average value of transactional account (e.g., checking account) holdings for families with such accounts. Does not include qualified retirement accounts (e.g., 401(k) accounts, IRAs). Actual level of household savings may be even lower because this analysis only includes households with transactional accounts.

3 Out-of-pocket expenses related to an illness or injury may be both medical and non-medical expenses.

For Compliance Use Only: 0292806-00001-00

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