Should You Have Life Insurance? HINT: Ask Your Spouse

Should You Have Life Insurance? HINT: Ask Your Spouse

The question ofย whether you should or shouldnโ€™t have life insurance can be an easy one to answer. Simply ask your spouse. Odds are you will get a resounding โ€œYes!โ€ The reasons may include:

Paying off Debts

Your debts may be taken out of your estate leaving your spouse with less and less. Life insurance can cover these debts.

Less Stress

The death of a loved one is stressful under any circumstances. Financial pressures will only add to that stress.

Maintaining a Lifestyle

Sufficient life insurance can allow your spouse and family to maintain a lifestyle that is comfortable. It can pay off the mortgage, cars, and even provide a nest egg for living expenses.

Child Care

When a young family loses one parent it usually means an increase in child care expenses. Life insurance can help cover these added expenses.

Cover College Expenses

You may have plans to send your kids to college, but the loss of an income earner can sidetrack that goal. Life insurance can help ensure future college expenses are covered.

Provides Access to Ready Cash

Life insurance benefits are usually made accessible relatively quickly and without hassles. This can be a real gift in an uncertain time.

Final Expenses

The fact is final services can be very expensive. Even cremations, which are usually less expensive, can still total in the thousands of dollars. Proceeds from life insurance allows your spouse to make some decisions that can provide comfort for them.

The decision on whether or not you should have life insurance is not complex. Ask your spouse. Now the amount of life insurance you should have may requireย further discussion. This, too, can involve your spouse. Have a talk about what you would like to see happen following your death. Connect with us for a free quote. If you don’t feel like you can afford the full amount, start somewhere. It is just important to start somewhere. We can help. Reach out to us today to get started.


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

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

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

Decreasing Term Life Insurance: When is it Right for You?

Decreasing Term Life Insurance

How Life Insurance Can Help Pay for College

Life Insurance for College

3 Unique Ways to Use Life Insurance as a Gift

3 Unique Ways to Use Life Insurance as a Gift

What You Need to Know About Life Insurance

What You Need to Know About Life Insurance

How Life Insurance Can Help You Create a Legacy

Life Insurance: A Powerful Tool for Creating a Legacy

Are You Making These Excuses for Not Getting Life Insurance?

Life Insurance Excuses: Are You Making One of These?

Exploring Beyond Life Insurance: Additional Death Benefits You May Qualify For

Additional Death Benefits You May Qualify For Beyond Life Insurance

Term Life Insurance: When Is It the Ideal Choice?

Exploring Life Insurance Options: The Benefits of Term Life Coverage

What is Double Indemnity in Life Insurance?

What is Double Indemnity in Life Insurance?

Pre-Planning a Funeral: Ensuring Peace of Mind and Financial Security

A Guide to Pre-Planning Funerals: Answers to Your Questions