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6 Reasons Homeschooling Families Need Life Insurance Protection

To all the homeschooling families out there, I applaud you. You are making an investment in your children that is invaluable. When we made the decision to homeschool our family, we knew it would be a rewarding adventure - one that required careful planning and flexibility. Homeschooling families are cut from the same cloth; a fabric that is high-functioning, creative and responsible. 

Let's focus on one of the character traits of homeschooling families: responsibility. Because you have made an important decision to homeschool your children, it's imperative to have a back-up plan should something happen to you. As a fellow homeschooling family, I know the passion and importance you have placed on that choice. Protecting your homeschooling strategy can be accomplished through life insurance. The good news is it's cheaper than you think. 

People with no life insurance overestimate its cost by three times. And even those who have coverage, overestimate its cost by two times. A latte costs $4 per day while life insurance can cost about $1 per day.
— Life Happens: True Cost of Life Insurance, 2015

Life insurance creates a contingency plan. Consider the following reasons why homeschooling families need life insurance. Policy proceeds can be used to purchase:

1. Online courses

2. Private tutor

3. Homeschool co-op costs and tuition

4. Private school

5. Curriculum 

6. Extra-curricular lessons (i.e. piano or snowboarding)

If it's important to you to continue homeschooling, regardless of what life brings, life insurance provides options. Consider it a safety-deposit on one of your most important assets - your children's education. 

To get started with a free no-obligation quote, click here. Insurance Happens specializes in helping homeschooling families obtain appropriate life insurance protection. 

 

Moms - Life Insurance Is Confusing. Take Action Anyways.

You know you need it. It's just that you don't know much about it and it all seems so confusing. Also, it reminds us of death, which is never fun to think about. We're speaking of life insurance, of course. In fact, there are millions of us who feel "stuck" about it. 

There are 19 million ‘stuck shoppers’ who believe everyone should have life insurance even though they do not own it themselves.
— Get Real Already - Authenticating Industry Language, LIMRA 2015

The insurance industry (not to mention the entire financial world) is complicated and baffling. Most would say they've done a poor job communicating their services. Repeated studies indicate that if a consumer is unsure about a product, they will hold off on making a decision. In essence, human behavior tendencies cause us to "freeze" instead of taking action if a concept is confusing, or worse, appears to be misleading. 

That's fair. However, it shouldn't prevent us from moving towards protecting our families. Let's focus on one type of insurance product: term. Term life insurance is the most affordable way to purchase protection for a specified amount of time (i.e. the duration of when your children are living at home or going to college). Moms, you love your family more than anything. It's the right and responsible thing to do. 

At Insurance Happens, our goal is to educate and create the simplest process possible to assist you in becoming insured. Here are two places to start:

1. Check out Insurance 101. Here, you can learn about the basics of term insurance and why it's important. Our free calculator is on the same page and helps to assess your family's needs. 

2. Get a Free Instant Quote. Term insurance is cheaper than you think. Lattes cost more on a daily basis.

In any situation, the best thing you can do is the right thing; the next best thing you can do is the wrong thing; the worst thing you can do is nothing.
— Theodore Roosevelt

Educate yourself and take action. Your future self will thank you.