Seven reasons you should think about life insurance

You protect your home. You protect your car. But what about protecting the people who depend on you?

Life insurance isn’t something most of us want to think about, or have time to prioritize. But it’s one of the most important conversations you can have with your family. Here’s seven reasons why it’s worth your time.

1. Your mortgage doesn't disappear.
   
   Someone will still need to cover your mortgage payments if you’re not around. Life insurance can help your family stay in the home you worked hard to buy together, rather than having to make an impossible choice during an already difficult time.
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2. Kids are expensive (for a long time).
   
   Whether it's daycare or college tuition, raising children costs money. A life insurance policy helps secure your kids' future plans.
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3. Your income matters more than you might think.
   
   Even if you're not the primary earner, your income most likely covers real expenses, such as groceries, utilities, car payments and activities. Losing that contribution can throw a household budget into chaos. Life insurance helps fill that gap.
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4. It gets more expensive as you age.
   
   Waiting until you "really need it" means paying significantly more, or potentially having health issues that make coverage harder to get.
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5. It's more affordable than you might expect.
   
   Studies show that healthy adults (35 and under) overestimate the cost of life insurance by 7-12 times. A healthy 30-year-old might pay $25-40 a month for a solid policy.
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6. Your employer coverage might not be enough.
   
   While it's great to have life insurance through work, it's often just 1-2 times your salary, and you lose it if you change jobs. Your own policy stays with you and can provide more well-rounded coverage.
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7. It buys time to grieve, not just money.
   
   Beyond the financial piece, life insurance gives your family time. Time to make decisions without panic. Time to grieve without immediately worrying about how to pay next month's bills. Time to figure out the next chapter.
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Life insurance isn't something you need to figure out alone. We're here to help you think through this too. Explore our personal solutions to see how we can help.
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