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Insurance Education

Uncovered: How Lacking Life Insurance Can Impact Your Family

November 7, 2017

If you’re living without life insurance, it’s probably because either:

  1.  It’s just not on your radar…if no one’s ever approached you about it, and you haven’t had access to accurate information, it’s totally possible that you simply haven’t thought about how important it might be to have coverage. 
  2. You’re aware that life insurance is important, and you’ve considered it, but ultimately you decided that there were more critical line items on the household budget and opted to take your chances.

The first scenario is easier to work with, because educating yourself about life insurance could make all the difference. Scenario B, though, is a bit tougher, because changing your mind about something is more complicated than changing your level of understanding. If you’ve already convinced yourself that there are more pressing things to spend money on than a life insurance policy, it may require some rewiring of your brain. That’s where we come in…not to shock you, but just to redirect the current with a little bit of real talk.

Stop saying “if.” Start asking “how much.”

If you don’t have kids, and you’re not the sole earner in your household, you might think you don’t need life insurance. While it’s true that you may not need as MUCH life insurance, you should think about at least carrying a policy large enough to cover final expenses and any debts you might leave behind. Someone always has to take care of those things, and it’s usually someone you love.

If you DO have children, or you’re sharing life with anyone who’s financial security is dependent to any degree on your income, it’s honestly pretty risky to not have life insurance. You may have the best of intentions when you decided to forego it in favor of another important expenditure, but being uninsured leaves your family vulnerable. It’s unfortunately much easier than you may think to go from a pretty good place to a really bad place financially. To read more about the role life insurance can play in preventing poverty, go here.

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“Quality of life” insurance…

If you feel like your current monthly budget doesn’t have enough wiggle room to accommodate a reasonable life insurance policy, that’s exactly why you need to consider one. Social Security Administration data shows that the majority of widowed people who live in poverty were not poor before the death of their spouse. If your heart has just been shattered by the loss of a loved one, the last thing you should have to worry about is how you’re going to pay the bills.

Whether the shift in income means giving up family vacations or giving up your family home, dipping into your retirement savings or wiping out your kids’ college funds to buy groceries; wondering if you can afford extracurriculars; or wondering if you can afford electricity, it’s never easy to let go of something you’re used to having, especially if it affects your children. Life insurance can help prevent that awful alignment of emotional pain and financial pain.

Money well spent.

The single biggest reason people cite for not buying life insurance is cost. And we get that…paying for yet another thing that you can’t wear or eat or drive or post Instagram photos of can feel like kind of a bummer. But even though you can’t taste or touch or see the presence of life insurance, we think you’ll feel something once it’s there…the lifted weight, the quiet security, the undeniable comfort that comes with knowing that even if you have to leave them too soon, your family will be in a safer place because of the choices you made.

When you’re ready to take the first step, visit us for a free life insurance quote or even a free look. You may find that it costs less than you think to protect your family…and even better than costing less, you may find, as that peace of mind wraps around you, that it’s worth more.

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