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Why I Think Mums Need Life Insurance

As a parent, I relate to the expression “Thinking in terms of ‘we’, not ‘me’”.

When I gave birth to my first child, planning for myself alone went out the window along with parties, relaxing holidays and free time!

That’s not to say I don’t plan for myself at all – it’s just that now, those plans are merged with those of my three children and my husband. It’s multi-tasking at its finest, and I’m sure you’re quite the expert too…

But I’m also sure you’ll agree: the difficulty is not merely in adding numbers and joining the dots. When you make plans for those who cannot make plans for themselves, you also take full responsibility for putting those plans into action. Harsh reality time: if you fail, everyone fails.

But you’re a grown-up and accept your responsibility, right? Unfortunately, though, it’s sometimes a case of The best-laid plans of mice and men… often go awry. No matter how determined and hard-working you are, there’s certain things you simply cannot control. Call it fate, destiny or just sheer accident – you can’t prepare for the unpredictable.

Mums Life insurance is your fail-safe – should the worst happen

If you’re anything like I was, you’ll think of life insurance as something ‘for old people’.

We’re way too young to be talking about the unmentionable ‘D’ word, aren’t we?

Unfortunately, the world can be a cruel place. Accidents happen and young adults get ill with incurable diseases. Sometimes parents die unexpectedly. Sadly, we all know someone who’s gone before their time due to illness and disease. But often we comfort ourselves by convincing ourselves that it couldn’t happen to us.

But what if it did… how would your family deal with the financial repercussions of your untimely death?

If that were to happen to you, remember: it’s not just ‘you’ you have to think about now.

Consider all those things your loved ones take for granted. Got a mortgage? With you gone, who will keep up payments? If you’re a full-time mum you may not be contributing a monetary income, but if you were no longer around as the homemaker, your partner would need to pay someone to cover your responsibilities (or give up work to care for your kids).

With life insurance, you could ensure that the mortgage would get paid off in the event of your death. Just imagine the relief that would bring and the stress and uncertainty that payout would remove.

The alternatives are just too horrible to consider… but they need to be said. If the mortgage payments couldn’t be kept up, there’s the risk that your kids could lose their family home and with it their security and familiarity. There’s also the chance they will actually inherit the debts you didn’t have time to pay. So as well as the drastic changes of the years following your death, there’s a possibility they’ll be affected way into their adult lives too.

And as if the pain of losing parents is not enough to cope with…

Life insurance is the ‘just in case’ that gives you peace of mind

So that is why life insurance really is essential, and now.

The younger you are when you start the less you pay. What’s more, if you opt for whole-of-life cover, if you live a long, healthy life your loved-ones will receive a pay-out anyway.

When you put it in perspective, putting away a few quid each month is small fry against all the hard work, time and money you invest into parenthood. The reward (i.e. financial security for your children), on the other hand, is huge.

Rewards: it’s not all doom and gloom!

One reason mums overlook life insurance is because it’s so uncomfortable contemplating your death.

So here’s some good news! Until this point, I’ve just talked about how insurance prepares you for the worst. But guess what? Nowadays there’s more to insurance than ‘insurance’. There are also chances for rewards too.

Vitality is a revelation in this space. That’s’ because Vitality insurance actually rewards you for living a healthy lifestyle which prolongs your lifespan. The incentives vary from cash rewards and lowered premiums, to discounts on a multitude of health & fitness products and services. You can even get free Starbucks, free cinema tickets and discounted BA flights. Surprisingly, some mums save more from their Vitality benefits than they pay in monthly premiums.

Check out one of our case studies that’s shows you how.

What’s more, because Vitality motivates and incentivise you to choose a healthy lifestyle, you’ve got a better chance of avoiding some of those nasty lifestyle diseases that can lead to an early death.

If you’d like to discover whether Vitality is right for you, CLICK HERE to find out more.

Alternately, request a quote from a qualified advisor who will discuss your options and give you a quote that perfectly fits for lifestyle, your requirements, and your budget…

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But whether you take measures for prevention beforehand or cure afterward, the important thing is that you take measures!

Isn’t there a quote which goes something like ‘Hindsight is 20/20 vision’? Well if it’s true, don’t rely on vision! Rely on some simple precautions, and make some simple payments.

If you do, you’ll have peace of mind (or encouragement to get healthy, even) which is worth far more than a few pounds each month.

Being a grown-up is all about boring responsibilities at times, but luckily – getting insured isn’t difficult at all. Look after what matters, and what matters will look after you.

 

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