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Keep your family protected ~ Look into Life Insurance

September 13, 2013 By Melanie Roberts 37 Comments

This post was brought to you by J Women’s Network and Genworth. All opinions are my own. 
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I have to admit, I’m not one to sell insurance, quote insurance and I’m the first to tell you it’s a waste of money ~ BUT~ we have to cover ourselves for our future, our kids future and we may not ever need it; However, that ONE time, the unforeseen time when you will need it though is when you will be thankful that you have invested that money.

You may not ever need any of the insurance you have, but to keep your family protected and knowing that if something should happen they are taken care of.

Did you know that most car accidents happen within a mile of your home, many are fatal and then what? How will your family cover any expenses for funeral expenses, paying the regular household bills with you gone? That little peace of mind knowing that if something should happen, the family is taken care of and doesn’t have to suffer while coping with the loss of a loved one, is priceless.

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On my way to work the other day I started to think, I spend a good hour commute each way to the office in the morning and back in the evening, traffic is nerve wreaking to say the least; things can happen in the blink of an eye and you may not make it home that day. I take every day as it was my last and enjoy my family as much as I can but knowing that they wouldn’t lose the house in case something would happen to me keeps me from worrying “What if…”. Did you know that Life Insurance really isn’t that expensive at all? Get your Quote today and see how little it will be to keep your family protected for an unexpected loss or accident.

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Another thing I always worry about and a lot of people don’t think to do, get your kids life insurance as well. Now you wonder and think… My kids are little, why would I need life insurance? Simple, accidents happen, I see it over and over and just in the last week I saw 5 accidents with children under the age of 15 that lost their life, whether it be riding a bike and  car hitting them, water sport accidents or children crossing a walkway home from school, anything can happen and then what? All three of my kids have a small Life Insurance Policy and the sooner you start the cheaper the policy premium is; only a few bucks to keep your peace of mind.

I know finances still have to be in place to cover any expense for your child and Life Insurance would take that worry away, knowing that in any unforeseen event I would have the funds to burry my child (God forbid, It’s not something anyone EVER should have to do, and I’m really up sad that I’m even spelling it out that way, BUT… let’s be honest, don’t close your eyes and ears, things do happen!!) is a blessing in that time of need.

So spend a few minutes today and look at your family, look what would happen if you wouldn’t be there to care for them, pay the bills or drive them to sport events; ask yourself…. Who will and how will my kids grow up and then check out this Genworth article that will recommend 3 insurance policies that everyone should have.

Hoping that you will never need it or experience a sudden loss in your family, but have peace of mind that your family is covered, Mom’s know best…. we love our family and we know it’s a MUST have not a NEED ……. Blessings to all and I would love to hear your comments about what you think about Life Insurance and how you feel about keeping your family protected.

Filed Under: Did you know Tagged With: family, Insurance, Life Insurance, things you need to know

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About Melanie Roberts

Florida Blogger, German Descendant, Travel Addicted, Recipe Developer, Pet Enthusiast, Mom of Three.

Comments

  1. Dawn Lopez says

    September 13, 2013 at 11:16 am

    You bring up some great points.. and it’s interesting timing for me. I was just dropping off my parents at the airport this morning and was really appreciative that I don’t have to sit in traffic for a 9 to 5 any more. I really don’t miss it! It is a crazy busy world out there!
    Dawn Lopez recently posted..Help Me Pick the Perfect Hallmark Birthday Card for My BFF #BirthdaySmilesMy Profile

    Reply
    • Melanie Roberts says

      September 13, 2013 at 11:28 am

      It is a crazy world….soo jealous that you don’t have that 9-5 commute :-(…

      Reply
  2. Andrea says

    September 13, 2013 at 11:24 am

    Melanie, I agree. No one plans for these tragedies. This has affected me personally. My dad was left with me, 3-years-old, at the time, when my mother was tragically killed in a gas explosion in a shop my parents owned. I’m sure my father wasn’t remotely thinking about life insurance at that young age, but honestly, all parents with children should get life insurance in the event something happens. My father and wonderful stepmom have everything set for me when they pass away and it truly does take a lot of stress off me. I will be emotional and grieving-finances is the last thing anyone wants to worry about. I have life insurance, my husband does, and my 3 kids. It’s just one of those things no one wants to think about (like a Will) but if you truly care about your family-it needs to be done. Good job posting this!

    Reply
    • Melanie Roberts says

      September 13, 2013 at 11:41 am

      WOW Andrea, your comment gave me chills .. Hugs and blessings to you and your family and hope you will NEVER have to use the insurance, but at least you know it would be there… if needed… God Bless…

      Reply
    • Ashley says

      September 17, 2013 at 10:33 am

      Oh no, I’m so sorry! We have insurance and we reevaluate the amount every year and then don’t think about it anymore. It’s not fun to think about but much worse if you didn’t think about it and end up needing it.
      Ashley recently posted..New Vogue Sunglasses from Sunglasses ShopMy Profile

      Reply
      • Melanie Roberts says

        September 17, 2013 at 12:55 pm

        Totally agree with you Ashley; we do the same and never think about it.. but soo glad IF we ever need it, it would be there…

        Reply
  3. Pam says

    September 13, 2013 at 11:31 am

    Melanie, if you saw five fatal accidents last week I am thinking you need to move to a safer area! But, I agree, life insurance is so important. We have had it for years because I am afraid something might happen and we would not have the money needed to cover the expenses.

    Reply
    • Melanie Roberts says

      September 13, 2013 at 11:39 am

      It has been a rough few weeks that’s for sure… 🙁 wish we could move, but ya know things happen anywhere… just make sure your family is safe and protected and keep praying for the best 🙂

      Reply
  4. Jennifer says

    September 13, 2013 at 12:09 pm

    This is really something to think about! We don’t have kids, so I think we “think” life insurance is not necessary… but, we are so wrong! We are a dual income household and neither of us could pay our bills alone. Definitely something we need to get!!!
    Jennifer recently posted..Gluten Free Perfect Foods Bar Review and GiveawayMy Profile

    Reply
  5. Katherine Bartlett says

    September 13, 2013 at 2:53 pm

    Great points, Melanie!
    Katherine Bartlett recently posted..Using #Energems for a Pick Me Up #adMy Profile

    Reply
  6. Barb W. says

    September 13, 2013 at 3:07 pm

    You bring up some very good points and helpful advice! I agree, no one wants to think about it but its so important to protect your loved ones financially, too!
    Barb W. recently posted..How to Know If Your Toddler’s Getting Enough SleepMy Profile

    Reply
  7. Grace Hodgin says

    September 13, 2013 at 4:48 pm

    It is always best to be prepared with life insurance as you state in your post. It is so hard to loose someone and have financial obligations that can not be met. Makes it even worse. Great points.
    Grace Hodgin recently posted..Ellen Slim Straight Leg Jeans Have Been Promoted To My Favorite Pair Of Jeans!#MMBloggerSpotlight @MonroeandMainMy Profile

    Reply
  8. Liz says

    September 13, 2013 at 6:11 pm

    I did hear that about accidents happening close to home! It’s so important to have some sort of insurance for those left behind.
    Liz recently posted..M&M’s Halloween Bark #HarvestFunMy Profile

    Reply
  9. Danielle says

    September 13, 2013 at 7:25 pm

    Life is so important and unfortunately, many of us learn that the hard way. My hubby’s 3 year old daughter passed away a year before we got married… it took us years to pay off the costs. Together we have 6 kids and now they all have life insurance.
    Danielle recently posted..Wordless Wednesday w/Linky | Surprise Mom!My Profile

    Reply
  10. Brett says

    September 13, 2013 at 7:35 pm

    We have policies for our kids. We have friends who have lost their kids 🙁 and have seen how hard that financial burden can be

    Reply
  11. Beeb says

    September 13, 2013 at 7:53 pm

    I agree that it’s important to think about these things – I always plan for the absolute worst, but expect the best.
    Beeb recently posted..Ripley’s Believe It Or Not “Dare To Look!” 2013 Annual + DiscountMy Profile

    Reply
  12. Janel C says

    September 13, 2013 at 8:12 pm

    I don’t think insurance is a waste of money AT ALL! There are some things you certainly need like getting rid of comprehensive if your car is paid off and using just term insurance for your life insurance but yes – insurance is important. We have a 20 year term insurance policy that will protect our family while we are raising our kids. We don’t really need coverage after that point so it works for us and it inexpensive.
    Janel C recently posted..Affordable PCs for Back to School – $250 Walmart Giveaway!!My Profile

    Reply
  13. Andrea says

    September 14, 2013 at 12:05 am

    Life insurance is very important to my family. My husband and I both have it in hopes that it would take care of the kids if something happened to both of us.
    Andrea recently posted..Gadgets: Shiny & New Could Be Good for YouMy Profile

    Reply
  14. Angela says

    September 14, 2013 at 1:23 pm

    I was just telling my nephew, who is a new driver, about that statistic. Even if he’s just running up to the store down the street, he needs to be sure and wear a seat belt. Life insurance is a must. I carry enough to provide for my son an mom should something happen to me.
    Angela recently posted..Sour Cream Apple BarsMy Profile

    Reply
    • Melanie Roberts says

      September 16, 2013 at 4:40 pm

      A new driver that’s SOOOO important as well… glad you guys are covered, hope you will NEVER need it tho… 🙂

      Reply
  15. Anne - Mommy Has to Work says

    September 14, 2013 at 2:05 pm

    We’ve been talking about it a lot but we need to just get it!
    Anne – Mommy Has to Work recently posted..Eventide – Book ReviewMy Profile

    Reply
  16. Debi says

    September 14, 2013 at 5:46 pm

    It is so important to have life insurance, because you just never know.
    Debi recently posted..GeoDeo- a natural deodorantMy Profile

    Reply
  17. Sandy VanHoey says

    September 15, 2013 at 9:33 am

    Love what you had to say about this and it is so important. Things do happen unexpectedly and although we tend to think, it won’t happen to me, I know in my life, many things have. Most of my family passed unexpectedly and at young ages. Glad you wrote about this.

    Reply
  18. Elena says

    September 16, 2013 at 12:55 pm

    It’s important to be prepared. I am so glad that my husband’s work provides life insurance

    Reply
    • Melanie Roberts says

      September 16, 2013 at 6:31 pm

      That’s a great option to have a work… 🙂

      Reply
  19. Kristyn says

    September 16, 2013 at 6:20 pm

    im so happy we are protected through my husbands life insurance with the military it gives peace of mind in the horrible event that anything were to ever happen

    Reply
  20. Jennifer B says

    September 17, 2013 at 1:47 pm

    I agree that this is very important and yet no one wants to talk about it because its very difficult to think about anything happening to your kiddos.
    Jennifer B recently posted..Painted Earth Organic and Natural Skincare GiveawayMy Profile

    Reply
  21. Dawn says

    September 17, 2013 at 2:38 pm

    We have life insurance through my husband’s work but we have been thinking about getting some extra coverage as it doesn’t seem like quite enough.

    Your home is very pretty. 🙂
    Dawn recently posted..Win $150 Gift Card Of Your Choice: Amazon, Target and Walmart {WW 9/16-9/30} #sponsoredMy Profile

    Reply
  22. Helene Cohen Bludman says

    September 17, 2013 at 3:13 pm

    Definitely something to think about now and not put off til later. You just never know what can happen.

    Reply
  23. Eva says

    September 17, 2013 at 4:55 pm

    We have life insurance in place for both us, plus insurance on car and home that is regularly updated. But you are right, many are unprotected and with the bad economy and people needing to save, insurance is often one of the first things to go.

    Reply
  24. Amy Lynn Desrosiers says

    September 17, 2013 at 8:16 pm

    You have a really cute family! We recently purchased life insurance for my husband that would cover us if anything unspeakable were to happen.
    Amy Lynn Desrosiers recently posted..Copy Cat Chipotle Mexican Grill Cilantro-Lime Rice RecipeMy Profile

    Reply
  25. Malia says

    September 17, 2013 at 8:43 pm

    We don’y have life insurance. But, I know we need to get some.
    Malia recently posted..Britax Boulevard 70-G3 GiveawayMy Profile

    Reply
  26. Rita says

    September 17, 2013 at 8:44 pm

    All of our children have life insurance. The amounts are not very large but enough should anything happen while they are still young.
    Rita recently posted..PetArmor Keeps the Fleas and Ticks at BayMy Profile

    Reply
  27. Carmen's Coupon Blog says

    September 17, 2013 at 10:08 pm

    I want to get life insurance to give my kids some security if I should pass but my husband thinks I am morbid for “thinking the worse can happen” I never thought about getting ins. on my kids though.. but if he thinks I am morbid now it would be worse if he thought I wanted life ins. on them too…
    Carmen’s Coupon Blog recently posted..Chocolate Lava Mug Cakes Recipe & More..My Profile

    Reply
  28. Joanne says

    September 18, 2013 at 7:44 am

    Great post – especially for a topic we don’t like to think about. Thanks for the reminder and food for thought.
    Joanne recently posted..Delicious Apple Crisp RecipesMy Profile

    Reply
  29. Virginia says

    September 19, 2013 at 7:36 pm

    It is so important to have a plan in place for our children, should we ever not be around for them!
    Virginia recently posted..BabyGanics DiapersMy Profile

    Reply
  30. Kecia says

    September 20, 2013 at 8:30 am

    Luckily, I am covered on my husband’s insurance through his job. If not, I would definitely be looking for other options because I don’t want to leave a huge financial burden on my family.
    Kecia recently posted..Dear Sawyer: Happy 3rd Birthday!My Profile

    Reply

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Welcome


Hi! I’m Melanie a mom of 2 Teen Boys & 1 Girl. I’m your everyday average working mom, wife and friend that likes to share recipes, DIY tips, techy things and anything from crafts to home remodel. I’m a Brand Ambassador, recipe creator and love to share things both from the US and my home Country Germany. So stick around and see what fun things we come up with.

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