I’m not much of a planner. It’s not that I’m reckless or even terribly spontaneous, but if I try to peer too far into the future, I can start to feel anxious. Better to train my sights on whatever’s important in the given moment, I tend to think, even if it’s just toes in the sand, salt air in my hair, and watching my kids try over and over to boogie board in still water.
The catch is that becoming a parent means a niggling sense of responsibility that crops up even when the most immediate concern is gathering enough slipper shells for sand castle adornment. And of course it’s not just a sense of responsibility. In addition to depending on us to steady the boogie board for the fortieth time, or chase them up and down the shoreline for 20 minutes straight, our kids depend on us financially, too. If anything were to happen to me or to James, I want to know there’s a plan in place. Buying term life insurance is a smart and simple way of starting to make that plan.
Haven Life Insurance Agency (Haven Life) was founded by a new dad who decided to purchase life insurance when he and his wife were expecting their first child. He quickly realized that he couldn’t easily get quotes, apply for, or purchase a life insurance policy online. And it took months to get coverage in place. He created Haven Life to fix that problem, meaning other busy parents like me and James don’t have to struggle with a more cumbersome process. Haven Life makes purchasing term life insurance easy and affordable, and it’s still backed and wholly owned by leading life insurer MassMutual.
James and I both found Haven Life’s online interface to be legitimately simple to use. It took us through a short series of questions to determine income, number of children, general health, etc. and gave us a quote for term life insurance just moments later. The monthly payments for term life insurance are modest. A 20-year, $500,000 Haven Term policy issued by MassMutual for a healthy 35-year-old woman like yours truly is just $23.34 per month. Best of all, you can apply online and, if approved, be covered in the same day. A medical exam may be needed to confirm eligibility or finalize your coverage, but even that can be taken at a time and place of your convenience. It’s easy and takes about 15 minutes.
As someone who’s self-employed and the primary income earner in my family, I’m especially aware of the strain that my absence would place on my family, but the truth is that any loss of income—or labor—could be catastrophic for any family. The payout from a term life insurance policy could help pay debt or contribute to things like childcare, mortgages, rent, and a family’s day-to-day bills. There’s no way of knowing what the future holds for any of us, but I do know that I don’t want it to be more difficult for my family than it needs to be, even if that means talking about difficult things now.
Now, back to sand castles…
This post is sponsored by Haven Life Insurance Agency. All opinions are my own.
Haven Term is a Term Life Insurance Policy (DTC 042017 [OK1] and ICC17DTC in certain states, including NC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001 and offered exclusively through Haven Life Insurance Agency, LLC. Policy and rider form numbers and features may vary by state and may not be available in all states. In NY, Haven Term is DTC-NY 1017. In CA, Haven Term is DTC-CA 042017. Our Agency license number in California is OK71922 and in Arkansas, 100139527.