Ah, summer at last! Well, technically it doesn’t officially begin until a few weeks from now, but in my mind it’s here now that we’re consistently hitting 80 degrees here in the state of PA.
Tis the season for picnics, swimming pools, amusement parks, barbecues, fairs and festivals, hiking, biking, building sandcastles on the beach, and all sorts of other fun in the sun.
Statistics show summer is also high season for accidents, injuries, and deaths.
[Insert sound byte of record scratch for dramatic effect here].
With increased outdoor recreation, travel, and celebrations involving consumption of alcoholic beverages, summer brings a higher risk of mishaps and misfortunes.
Scary Summer Statistics
A leading cause of accidental death in the U.S. is automobile accidents. According to data from the Insurance Institute for Highway Safety, in 2013, 32,719 people died in motor vehicle crashes. 8,919 of those fatalities happened during the summer months of June through August. August was the deadliest month of the year with 3,136 (ten percent of the total) deaths occurring during its 31 days.
And other types of accidents increase over the summertime, too. Some hospitals report an increase in emergency room visits of as much as twenty percent or more during the summer months.
A few risks to be wary of while you and your family are enjoying the great outdoors and celebratory activities:
- Heat-related dangers such as heat exhaustion, heat stroke, dehydration, and sunburn
- Drowning in lakes/ponds, rivers, reservoirs, pools, and the ocean
- Burns from grills, campfires, and fireworks
- Broken bones and lacerations while participating in outdoor activities
- Find Peace Of Mind And Put Worry Out Of Your Mind
Of course, nobody wants to think about injuries or worse happening to you or anyone you care about over the summer. While caution is prudent, dwelling on the risk is a downer.
One way to put worry to rest so you can enjoy an anxiety-free summer is to protect your family with term life insurance. While the chances are slim of the unthinkable happening to you while you’re living life to the fullest, the unexpected is not impossible. Term life provides an affordable way to ensure your family would have a financial safety net if tragedy strikes and you were no longer around to help provide for them.
If you don’t have a term life policy yet, don’t sweat it! You might get one faster than usual if you apply in the summer. With most people focused on vacation plans, enrolling in camps, and entertaining their kids while school is out, fewer apply for life insurance than in other months of the year. That means life insurance companies’ offices aren’t as busy and can likely process your term life insurance application more quickly, cutting days off the two- to six-week process.
So, summer is a prime time to explore term life insurance companies and find a policy that fits your budget. Best of all, you can get a no-obligation term life quote online while you’re sipping lemonade by the pool. As you’re making your summer vacation plans, why not set aside a little time to plan for your family’s future, too?