This post is sponsored by Haven Life. Thank you for supporting SITC.
Spring cleaning is a time of new beginnings and fresh starts—it is a total renewal. The trees are budding, the flowers sprout, the lush green that has been dormant all winter starts to grow back. Each Spring makes me think of my family and how quickly my children are growing—how Jason and I have grown as a couple, as individuals, as parents.
One of the things I have been meaning to check off my to-do list is our life insurance coverage. We are a young family and to imagine actually needing life insurance can be uncomfortable, but I would much rather be safe than sorry and have my husband and children taken care of.
For us, term life insurance is the right choice, which provides coverage at a fixed rate for a limited period of time – often 10, 15, 20 or 30 years. So for Jason and I, it would cover the years our family needs financial help the most — until our mortgage is paid off and the kids are adults — should something happen to either of us.
Believe me, the idea of something happening to either of us gives me chills, and that is probably the reason why people avoid talking about life insurance, choosing a coverage amount, or put it off entirely. BUT it doesn’t have to be a morbid conversation—just think of it as being prepared for anything. Jason and I have been incredibly responsible our whole lives, working hard and saving to provide for our family—it would be irresponsible for us not to be prepared for the worst-case scenario, too.
Researching insurance can be a daunting task but online life insurance agency Haven Life makes it very simple to buy term coverage at rates most of us can actually afford. Plus, they make the whole process feel seamless. Another reason why people put off these tasks is because they can feel like such a chore, but Haven Life’s simple and convenient process for buying a policy is actually very easy.
Haven Life offers a simple online application, which lets applicants (up to age 64) apply for a term life insurance policy and receive an instant coverage decision. If approved, you can start coverage that day. BUT don’t let the digital process make you feel like this is some anonymous transaction—Haven Life has an incredibly dedicated and compassionate customer support team to help you along the process if necessary.
Term life insurance is a cost-effective way to help cover your family during the years they will need it most. The payout can be used for important expenses – your mortgage, kid’s college, or co-signed debt – should something happen to you. And best yet, Haven Life is backed and wholly owned by MassMutual, a leading insurer.
Check out the Haven Life site to learn more about term life insurance and get an initial quote. You can also use their nifty life insurance calculator to get an idea of what coverage best fits your family’s needs. Since I have three children and they are still little, I figure a 15-year policy is a good place to be since that will cover them until they are adults, but there are plenty of options available for 10, 15, 20 and 30-year terms.
I am younger than 45-years-old, in excellent health, with no nicotine use or health conditions – according to Haven Life, for me, a 15-year $1 million Haven Term policy, issued by MassMutual, would start at about $29 per month. I mean…wow. I spend probably triple that on coffee each month!
If you don’t have term life insurance, consider how your family would be impacted should something happen to you. As a parent, it’s your greatest responsibility to protect them. Apply for term life insurance through Haven Life.
Haven Term is a Term Life Insurance Policy (ICC15DTC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 and offered exclusively through Haven Life Insurance Agency, LLC. Not all riders are available in all states. Our Agency license number in California is 0K71922 and in Arkansas, 100139527.
This post was sponsored by Haven Life Insurance Agency, LLC (Haven Life). All opinions are my own.