Handling It: Why Working Moms Need Life Insurance

Posted by Our Life Covered on May 14, 2017

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Work hard. Love hard. Make life insurance easy.

Being a mom who works means multitasking like a champ. Our Life CoveredSM keeps life insurance for working moms simple, because we know you could use a little less overlap on your to-do list and a little more time to #lovelikeamother.

If you’re a mom, you know all about the beautiful, blinding sweetness of unconditional love. But you also know a thing or two (hundred) about handling the hard stuff.

The mindblowingly difficult miracle of childbirth, or the heartwrenchingly complicated process of adoption. The bodily fluids. The public tantrums. The serious conversations.

The nights you spend doing everything but sleeping, because babies need to eat every two hours. Because toddlers have bad dreams about monsters under the bed. Because nine year olds have math homework that you don’t remember how to do. Because teenagers miss curfew and send your thoughts to dark places.

And if you’re a working mom, it’s all that plus the demands of a job and the challenge of finding work/life balance when there’s more on both sides of the scale than you can hold.


No matter how many hard things you’ve done, somehow shopping for life insurance is still tough. It’s emotionally tricky.

On one hand, OF COURSE you want the people you love to have the very brightest of futures. On the other hand, of course, you want to be PART of those futures, and a life insurance policy, by definition, is an acknowledgement of the need to prepare for your own inevitable absence.

This is why, we suspect, there are so many moms who know they need life insurance, and can absolutely afford life insurance, but still haven’t actually bought life insurance. If you’re that mom, Our Life Covered wants to help.

Work, Work, Work

Sometimes moms work because they have to. Sometimes they work because they want to. But whatever the reason, more moms than ever are working…and working hard.

Whether the income you contribute to your household is the whole wheel of cheddar or just a little wedge, it’s income that would need to be replaced if something happened to you.

  • An analysis by the Pew Research Center shows that according to the latest data from the U.S. Census Bureau, a record 40% of mothers with children under 18 are either the sole or primary source of income for their families. Of this group, 5.1 million (37%) are married mothers who have a higher income than their husbands, and 8.6 million (63%) are single mothers.

All the single ladies…

If you’re a single mom, it’s pretty easy to see why you’d need life insurance. You are your kids’ superhero (even if they don’t always admit it). You might have the most supportive family in the world, but when it comes down to it, your children’s financial security is still in your hands, and a good life insurance policy will help keep it intact if you’re not around to do it yourself.

Finding the right life insurance policy now means that no matter what happens, your children will still have the promise of a future that’s as bright as the sun and as cool as the moon.

Got a ring on it?

Moms who are married or in committed relationships, though, often reason that if something were to happen to them, their partner would still be there to take care of things. And that’s true, sometimes and to some extent.

But even if you aren’t one of the 5.1 million U.S. women whose income is higher than her husband’s, you are still contributing to your family’s quality of life. Will they be able to bounce back from your final costs?

Even if there are no medical bills to cover, funerals can range from $2,000 to upwards of $10,000 depending on the type of funeral you and your family choose. In addition to the pain of losing you, will they also lose access to the little things that keep life light so they can see through the thick fog of grief?

If you and your spouse/partner are both insured, the protection that you’re paying for becomes less like a temporary shelter and more like well-built house. 

We know that taking care of people is what you do best. But when you’re ready to shop for life insurance, let Our Life Covered take care of you.

Go to ourlifecovered.com or give us a quick call at 888-828-9760 to get started!

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Written by Our Life Covered

Our Life Covered
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