A few weeks ago, I had a bit of a scare. I was alone at home with my kids, who are now 7 and 15. I had not been feeling well that day and had actually called my husband, who came home from work just to keep an eye on me. After a bit, I was feeling better, so he went back to work but asked my 15-year-old daughter to keep an eye on me, just in
Well, a couple of hours went by, and I started feeling sick again, but this time around, I was not able to let them know what was going on. I was conscious and knew all that was going on around me, but I could not communicate.
It was scary, but more than anything, frustrating because I saw how both my kids were freaking out, and I
couldn’t do anything to stop it.
Thankfully, my daughter acted like a champ, called 911, distracted her little brother, and was able to take control of what could be a very a traumatic experience for anyone and even more so for kids.
After all this happened, I kept thinking about all the things that could go wrong and how to prevent my kids from being uncared for if something happened to me, their dad, or even worse, both of us.
Once I was out of the hospital, I seriously considered and started to research cheap term life insurance and what the options for us were in that aspect.
I was really surprised to find that there are some affordable options and some of them do not even require a medical exam, which is mind-blowing, in my opinion. What should you consider when looking for life insurance?
Every situation is different,
so it is very helpful to make a list or map out the things you need to cover to make your
loved ones’ lives easier if you were not there anymore.
Getting life insurance for the first time
Let’s be honest, can seem like a daunting task, but it’s an important step in protecting your loved
ones financially. Here are some tips to help you navigate the process:
1. Determine how much coverage you need: The first step in getting life insurance
is to determine how much coverage you need. Consider factors such as your
income, debts, and expenses to help you determine the right amount of coverage
for your needs.
2. Shop around for the best policy: It’s important to shop around for the best policy
that meets your needs and budget. Consider factors such as the type of policy,
the amount of coverage, and the premium.
3. Consider term life insurance: Term life insurance is often a good option for first-
time buyers because it’s affordable and provides coverage for a specific period of
4. Understand the policy: Before signing up for a policy, make sure you understand
the terms and conditions of the policy, including the premium, the length of
coverage, and any exclusions or limitations.
5. Work with a reputable insurance company: Choose an insurance company that
has a good reputation for customer service and financial stability.
6. Be honest on your application: It’s important, to be honest on your application,
including disclosing any medical conditions or risky behaviors that could affect
7. Consider working with an agent: A licensed insurance agent can help you
navigate the process of getting life insurance and can help you find the best
policy for your needs.
8. Review and update your policy regularly: It’s important to review and update your
policy regularly to make sure it still meets your needs as your life circumstances
Remember, getting life insurance is an important step in protecting your loved ones
financially. By following these tips, you can find the right policy for your needs and