I was recently offered the opportunity to blog for a Life Insurance Company on their website. Although that didn’t pan out, I’m pleased with what I began for them and wanted to share it here.

The idea was to write something to draw internet traffic to their website, which would, theoretically increase their business. So I came up with the idea of treating the Reader as if they were brand new to the idea of Term Life Insurance. It was going to be a six-part series: Who, What, When, Where, Why, and How. I only completed the first three.

Still, I think it’s a solid showcasing of my abilities to make a concise, intriguing entry. What do you think?

Part One: WHO, What, When, Where, Why, and How

Life Insurance: Who Needs It, Anyway?

We hear it all the time: “Who needs it, anyway?” It’s a common statement that so casually dismisses any importance tied to the subject. It’s often meant as a way of shrugging off any ties. When someone offends us, we wave back and grumble, “Well, who needs you anyway?!” When our car breaks down beyond repair, we give the same reaction. When met with a rude waiter at our favorite restaurant, we don’t leave much of a tip, do we? Who needs it…

But we do need it. In some way, shape, or form, we are in need of human contact. Of transportation. Of food and shelter. And, yes, even Life Insurance.

In this day and age, finances are a very scary subject. You’re probably asking yourself, “Can I afford Life Insurance?”

That’s the wrong question. Instead, ask yourself this: “Can I afford to not have Life Insurance? Will my family be burdened when I’m gone?”

Do you have enough funds free and clear to cover all expenses, once you’re gone? Are you the sole provider for your family? Do you own your house or are you still paying a mortgage? Do you even have enough for a decent burial? Or would your family have to incur more debt just to take care of your funeral?

Wouldn’t you like to make sure your loved ones are taken care of in the event something happens? Death is a reality. Inherited debt doesn’t have to be.

You don’t have any heirs to worry about your estate, you say?

Not sure what type of policy you would get, or how much you’re worth?

Don’t know where to start?

What the heck is this Life Insurance thing all about, anyway?

Come back to this blog as we hit the highlights and hopefully fix some misgivings you’ve had.

Got questions? Suggestions? Stories? We’d love to read what you have to say.

We’re here for you.

Part Two: Who, WHAT, When, Where, Why, and How

Life Insurance: What is it?

We get a lot of people who aren’t really sure what a Term policy is. And most feel a little silly asking.

It’s Insurance, right? Shouldn’t this be easy?”

But let’s be real: in the Information Age, sometimes people still have too little (or too many) details to go on.

You have insurance on your home and auto that will provide financial assistance in case of loss or catastrophic damage.

Life Insurance is just that: an insurance policy on your life. If you die while your policy is active, the coverage amount will be issued to your beneficiary as they continue on.

Term Life Insurance is simply a policy that offers coverage for a predetermined amount of time (typically 10, 20, or even 30 years), with a fixed payment plan. Your plan, and your payments, never vary. It’s something you can count on!

It’s important to know that it doesn’t end there. You can always renew your Term Life Insurance policy, or convert it to a permanent policy that guarantees coverage at fixed rates for the lifetime of the policyholder.

Term Life policies are the most popular form of Life Insurance policies because, generally speaking, they are also the most affordable.

For someone who’s just starting out in life.

For someone who’s on a fixed income but still wants to provide for their family.

For someone who wants peace of mind.

Everyone’s insurable. Even if you think you’re not, you really are. Individual people require individualized policies, and we can help with that. No matter what you’ve heard, you’re never too young, too old, too sick, or too anything for a Term Life Insurance policy.

We’re here for you.

Part Three: Who, What, WHEN, Where, Why, and How

When should I get Life Insurance?

The question is direct. The answer is simple: NOW.

But there will be a million reasons to stop you. Young people feel invincible. Adults don’t have time to think about it. The elderly think it’s too late.

Let’s be clear: the only time it’s too late to get Term Life Insurance is when you’re dead.

Think of Term Life Insurance as a savings account for your beneficiaries. It’s your way of continuing to provide for them after you die, just as you’re doing now. And nobody knows the day or hour of their death.


Anything can happen: the healthiest person can be struck by a drunk driver. A slip-and-fall can cause internal injuries. Or you could just not wake up some day.


Don’t you want to make sure your family doesn’t have more to deal with than they have to? If you could protect your loved ones from unnecessary heartache, wouldn’t you?


Term Life Insurance offers an easy payout after your death to assist your loved ones, just as you do while you’re living. There’s no condition on how the policy must be spent. Your family can use it to pay medical bills, take care of funeral expenses, or pay off other debts.

It could be your last chance to provide for your family. Who wouldn’t want to do that?

We’re here for you.

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