Have You Had “The Talk”?

Have You Had “The Talk”?

Some couples have The Talk early in their relationships. Others wait years into their marriage and yet others may be near retirement before it occurs. Sooner or later, however, most will have the discussion. It centers on what happens after the death of one or another. “Would you get married again?”, “You should get married again.”, “Becky would be good for you.”, and other similar statements are often included. Some take The Talk as just that…talk. Others engage more seriously in it, discussing plans for cremation or burial, what songs they want played at final services and other details.

What is often missing in The Talk is some serious discussions about what the financial ramifications of a spouse dying can be.

This financial part of The Talk should include real life, short and long-term impacts of a death.

How much will final expenses be?

What credit cards will need to be paid?

Will there be car payments to deal with?

How is the income lost going to be replaced?

Longer term issues to address are where will the surviving spouse live? Is the potential need for child care or future college expenses in play? Will the remaining spouse have to work full-time for the foreseeable future?

One question often leads to another and the financial impact can quickly rise. So, what’s the answer?

Many are finding it in life insurance. Life insurance allows you to take a small amount of money and use it to purchase a much larger amount of financial protection. It provides the beneficiary a smoother path through the immediate impact of a death and sets a straighter trail for the future. It also provides valuable peace of mind.

Where do you start? Have The Talk include discussions about cremation, your favorite songs and Becky. Then reach out to one of our independent life insurance agents. Have a discussion about your plans and goals and have them review your current coverage. Allow them a chance to create a plan that may include term and permanent insurance to fit your needs and budget. You always maintain control of your choices and how to proceed. Our agents are there to assist you, not sell you.

Go ahead and have The Talk. Then do something really out-of-the-box. Call a life insurance agent. You may ultimately be very glad you did.


Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Buzz Your
Insurance Agent

Search for a local agent with our agent finder map.

Agent Finder

Want to learn more about
our blog writer?

Read more about KayLynn's background.

Search All Blogs

Search
Generic filters
Exact matches only
Search in title
Search in content
Search in excerpt

Discovering More About The World Around Us

What We Speak and Where We Eat Both Divide and Bring Us Together

Discovering Your Child’s Hidden Talents

Uncovering Your Child’s Potential

Six Things About Your Own Body You May Not Know

Some of These May Surprise You

Tips for Staying Mentally Fit

You Can Stay Sharper, Longer

How Are You Feeling?

Asking Yourself This Simple Question Could Lead to Positive Changes

Decreasing Term Insurance

What Is It and When Is It Most Valuable?

How Travel Enhances Life

Travel Need Not Be Global to be Enjoyable

The Quality of Sleep and The Quality of Life

Facts VS Fiction When It Comes to Sleeping

Popular Nicknames for Grandparents

MeMaw and Pawpaw are Just the Beginning of Nicknames We Call Grandparents Today

Why NOW Is the Best Time to Secure Your Life Insurance Plan

If You Want It Straight. Here It Is. The Time Is Now.