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Life Resources

Learn more about life insurance with these useful materials

Life Resources

Learn more about life insurance with these useful materials

March 26, 2024 // All products // term-life-insurance

Term Life Insurance – It's Affordable. FOMO? Read on.

There’s nothing worse than losing a loved one.

Still, maybe that’s not happened in your life so far, so it’s not top of mind.

But think about the last time you started a new job and were offered the opportunity to sign up for life insurance. Sure, if the company offered it at no cost to you, you may have happily signed up and designated beneficiaries. However, is that enough life insurance?

Part of the reason you may not have signed up before – unless it was an included benefit – was that you told yourself your budget couldn’t handle it and that you’ll get it one day in the future. You might be saving for something or paying off a loan. You might tell yourself, “Take care of today’s budget; no need to worry about tomorrow. I’ll get life insurance when I get married, start a family, am a little older, or am moving ahead in my career.” Sometimes it pays to take care of things now rather than waiting for the future to get around to it.

Waiting could seem logical but could prove to be a decision you might regret.

When Should You Get Life Insurance?

Life insurance can be really affordable when you’re younger, so why not get it when it should cost the least? Just think of it, for about the same price as a premium bubble tea1 or your monthly streaming service2, you could have life insurance.

Why Do You Need Life Insurance?

Despite what you may think, it’s not just to pay funeral expenses, though you should know, the median cost for these expenses is $7,8483. It’s also about not leaving a debt your loved ones, who were co-signers on any loans you took out. As co-signers on a debt, your loved ones may find themselves footing those bills. Life insurance can help pay off those debts so no one else has to.

It’s Easy to Apply

Another thing to know is the cost of life insurance is often lower the younger you are. Acquiring it in your twenties or thirties will usually be less expensive than if you decide to get it in your late fifties. Also, keep in mind your health, being a non-smoker and/or moderate drinker – all of these things – can often help keep your life insurance premium down too.

Sounds like something important to think about, doesn’t it?

Whether you’ve just graduated from college, are starting that new career, or realize you’ve skipped over that opportunity to purchase life insurance before and this time you should really do it. THIS could be an opportunity to start out right. THIS is the time to check out life insurance and find out how it can fit into your budget as well as that espresso over ice fits into your afternoon routine. The life insurance coverage you obtain can provide funds for your loved ones to be used to cover outstanding debt such as a mortgage or car loan or to pay off debts where they are co-signers. There might even be a little something for your bestie or cool cousin who wants to go to art school, or both.

So, think about it. Even better, get a quote online today. If you’ve got more questions, you can talk to an experienced agent for guidance. Call (888) 422-7020 and you’ll find out what your options are. It might end up being a no brainer for you.

One Last Note

If you have a chance to leave something for those you care about to have for the future, wouldn’t that be a great way to say, “I love you,” or “I care about you,” or “I believe in you?” You could leave something for a family member or a friend. Most everyone has someone they think highly of, or who has a hard time of it in life and you could make it easier for them, or maybe you just want to say one more “I love you.” It’s like one final love note or message of encouragement from you.


1 Bubble Tea Prices: What Really Determines The Cost Of Your Go-To Bubble Tea? - Pearl Lemon Boba, April 3, 2023.

2 Streaming Services vs. Cable Smackdown: Is One More Affordable? - CNET, August 26, 2023

3 How Much Does A Funeral Cost in 2023? (, June 23, 2023.


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