The Case for Life Insurance

life insurance

A couple of years ago, a friend at work told me she was participating in a bake sale over the weekend. One of her best friends’ husband had died in a car accident and his widowed wife and three kids couldn’t afford to pay for his funeral. Another friend’s father passed away when he was young. His mother had no degree and no job. Within just a few months, she married a man who could take care of her family. That man, whom she knew so little, turned out to be abusive. Another story, a man passed away when his wife is pregnant with their child. Unable to afford to keep paying rent, she moved in with her parents. After a few of months of a stressful living situation combined with her inability to cope with her husband’s death, she moved back out on her own into government housing. Her son, not knowing the difference, grew up wondering why all his friends were in and out of juvenile detention.

A couple more stories: A man loses his wife, the mother of their five children, to cancer. He immediately quits his job and spends the next year at home, raising his young children and helping his older children cope. A wife of another man dies unexpectedly. Despite having talked about the scenario previously, with the man planning on relying on his income to raise their children, the overpowering grief causes him to quit his job and stay home with his children for the next two years.

What’s the difference between the stories in the first paragraph and the second? Like the prolific mystery writer I am, I’m sure you haven’t guessed. It’s life insurance. Words can’t describe how important it is to me, how important I believe it is for everybody with a family, whether it’s a family of 10 or a family of 2, like I have.

When I was an insurance salesman, I reluctantly told these stories because I didn’t want to be perceived as using scare tactics to convince anyone to buy from me. And unlike a lot of salesmen in general, I still believe in it even though I don’t sell it anymore. In fact, I have turned down a few sales jobs since then for the simple reason that I don’t sell anything I don’t believe in. But even if you want to label them as “scare tactics”, their true. It’s real. The likelihood of you dying prematurely, albeit small, is real. So the question I want you to think about then, is if something happened to me tomorrow, how do I want the rest of my family’s life to look? The reason I ask that question is because it’s hard sometimes to look past the numbers and see life insurance for what it really is: something that has the potential to bring hope and opportunity to your family; and without it, the potential to break your family in an already heart-wrenching experience.

It’s so easy to see life insurance as a “necessary evil.” It’s easy to balk at the monthly premiums, but when it comes down to the effect that policy can have on your family, in my opinion there is nowhere else you can put that money that will give you a greater feeling of security and have a greater impact on your family. No more bank accounts set up in order to receive donations; no need for the children to lose both parents, one to death and the other to endless work hours to make ends meet.

It can’t mend a broken heart, but it can prevent further heartbreak and pressure that no family should have to bear. How much do you need? I would recommend discussing that question with a competent and trustworthy agent rather than trying to figure it out on your own. They’re good at what they do and if you will know you’ve found a good one when you can feel that he or she has what’s best for you in mind. They’re out there, just have faith 🙂 And get some life insurance!


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