Look, I’m not the kind of person who usually thinks about life insurance. To be honest, I used to think it was just something old people got. But the moment I had a family to take care of, everything changed. I started thinking, “What if something happens to me? What happens to them?”
That’s when I knew I had to stop pushing it aside and actually figure this thing out.
💭 First, Why Even Get Life Insurance?
At first, it just felt like another bill. But then I thought deeper. If I’m not around one day, who’s going to pay for the rent? Or school? Or food? Life keeps going even if you’re not there.
So for me, getting life insurance wasn’t about being dramatic—it was about being responsible. It’s just a way of saying, “I’ve got you,” even if I’m not around to say it.
🔍 The Two Main Types (And Which One I Chose)
When I started researching, I saw two main types everywhere: term life and whole life.
- Term life is like a temporary plan. It covers you for a set number of years. It’s cheaper and simpler. If nothing happens during that time, it ends.
- Whole life is permanent and builds up some savings, but it costs way more.
Honestly, I went with term life. I just wanted something affordable that still gave my family protection while I’m in my working years. I didn’t need all the extras.
💸 How Much Coverage Is Enough?
This part took me a minute. I didn’t want to go overboard, but I didn’t want to come up short either.
So I sat down and did some rough math:
- What would my family need if I was gone?
- How long would they need it?
- What big costs are coming in the future?
I added up my yearly income, multiplied it by 10, and then thought about extra things like college, debt, and funeral costs. That gave me a number that felt right—not perfect, but good enough to make me feel at peace.
🛒 Take Your Time and Compare
Don’t just go with the first ad you see online. I almost did that, and the price was way higher than it should’ve been. I looked around, got quotes from different companies, and even talked to a couple agents.
One tried to confuse me with fancy terms. I didn’t even finish the call.
The one I chose explained everything in plain words and didn’t push me to buy more than I needed. That made the decision easy.
❓ Ask Before You Commit
Before I signed anything, I asked:
- Will the monthly price stay the same?
- What happens if I want to cancel?
- Is there any extra fee if I stop early?
No one wants surprises later on, especially when it’s about something this serious. Make sure everything’s clear from the start.
✅ Final Thoughts (From One Regular Person to Another)
Life insurance isn’t something we like to talk about, but it’s one of those things that shows your family how much you care. I got it not because I’m scared of dying, but because I want my family to be okay—no matter what.
So if you’re thinking about it, take that step. It doesn’t have to be expensive or complicated. Just make sure it fits your life, your people, and your wallet.
You’ll feel better once it’s done. I know I did ❤️