Life insurance is a subject most people don't want to think about. Less than 30% of the populaion has any form of insurance or planning for their family's future if something unexpectedly happens to them tomorrow.   A good portion of the percentage who do have a life insurance policy for their family, have it in a group policy through their job; with them and you, their spouse, thinking that is enough. 

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Is a group policy through your job enough?  Oftentimes, it is not.  First of all, group insurance is the company's insurance policy, not yours.  If your job ends, your life insurance ends; and depending on your age and health when that might happen, replacing your life insurance can cost more or you might not be eligible for health reasons. Also the death benefit is often low, designed to basically cover end of life expenses.  Having a permanent or 20-year term plan in place that is yours, along with the group plan, gives you financial security, with you being able to design the plan exactly how you choose. 

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A hard question I always ask - if something happened to your spouse, the breadwinner of the family,  and he or she is no longer here tomorrow - with the income they were bringing in also suddenly gone, how would that leave you and your family?  How would that affect the quality of life and lifestyle you have been able to give your children?????? 

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We have seen the result of not having anything in place to replace that income in these last two years, with so many loved ones dying unexpectedly.  

• all the GoFundMe's, just to get the immediate final expenses paid that are so outragresously expensive in today's world

• a mom with young children finding herself having to pratically give away whatever she has of value at whatever she price she can get to support herself and her family after unexpectedly losing her husband and breadwinner.  Even to the point of having to sell her children's pet because she needs the money, causing her children to experience two losses.

• having to sell your house and home in foreclosure because you can't keep up on the mortgage payments.

• And wtih all the stress this causes while you are also having to deal with your emotional grief over your loss

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One of the worst nightmares for a Life Insurance agent is when a wife, and mother, who has suddenly lost her husband unexpectedly, calls with the plea - "please tell me he did get the life insurance policy set up"; and we have to tell her that her husband had decided to wait on finalizing the policy, so there is nothing there to help her.  

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 As a woman with children and a spouse who is the breadwinner, many of us allow them to make that decision, or lack of decision, about planning for what will be our future and security, until it is too late.  

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