Life Insurance For Moms: Non-Negotiable?

Written by Jason Fisher

There are thousands of mothers that assume that they don’t need life insurance coverage.

Life insurance is one of the best investments that you’ll ever make for your loved ones.

If something tragic were to happen to you, then they would struggle financially as well as emotionally.

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We know that finding life insurance can be difficult, and nobody wants to think about his or her own death.

This is one of the most exciting times of your life, and one of the happiest, but it’s important that you plan for the worst.

This article is going to explore the advantages of different life insurance plans and the importance of a life insurance plan for mothers.

Life Insurance For Moms

With the insane amount of preparation in and around the house before the baby’s arrival, buying insurance was probably not too high atop the list of to-dos.

Keeping baby happy, fed, and hopefully peacefully sleeping are much more a priority in the beginning.

But as you settle in, and you finally get to the point of at least a few hours of sleep per day, reality will begin to creep back as you realize you will have to continue your daily activities.

You’ll quickly find you have much more to do than you ever did with the addition of feeding, diapers, and constantly entertaining.

With this increase in responsibility, you obviously have a new financial responsibility as well; not just today, but as your child(ren) age.

Much like when you bought your home or your car, you suddenly needed insurance to cover them.

Homeowner’s insurance and car insurance are a little different than life insurance though because they’re actually mandatory.

Interestingly enough, homeowner’s and car insurance are both insurances that cover things that are replaceable.

Should something happen to either your house or car, you can buy another (although its contents might be irreplaceable). Yet if your new child loses you, you’re not replaceable. Are you financially prepared for this?

Baby now depends on you for everything in life. From the most basic necessities to the hours of entertainment value you bring.

But there is a financial burden now on your shoulders to provide these things.

Food is not cheap, especially if you’re like most moms and doing your best to offer an organic meal until your child reaches a certain age.

Clothing is definitely not cheap because your newborn will sprout out of every piece of clothing until they’re practically out of high school.

Dads, you are hardly exempt from this conversation.

In fact, statistically, you’re probably an even bigger concern. Only until recently, men have been the main breadwinner in a household by a wide margin.

While the gap is thinning, you actually hold the responsibility twofold: financial burden, and gender burden.

Because men still hold the primary income, it only means you have a greater responsibility to your family should something happen to you.

Your human capital is more, so more insurance would be required to replace you financially in the future. Fewer dads are caretakers of children than women.


Life Insurance For New Parents

As new parents, both of you collectively now have mounting responsibilities both in daily activity and short- and long-term financial aspects. Chances are, you’re operating under a dual income household, and you are already stressed about your finances. Most households are. You might already be wondering about how you could even take on another bill, and what you might have to give up in order to do so.

Well, consider this: imagine you didn’t have any life insurance in place and you lost your spouse. Now what?

You think you had a financial problem as a dual income family? How in the world do you think you’re going to be able to maintain your lifestyle as a single income family, and even worse, a single parent family?

Life insurance for new parents is a crucial, crucial part of your financial plan going forward. Let’s face it. You’re probably not socking away mountains of cash to invest or just simply save without first thinking what baby needs and wants. He’s truly your first thought every waking moment (probably because he is your waking moment). His needs and wants are now your first priority, and you’ll find yourself giving up a lot to have more time with him and your newly grown family. Possibly giving up nights out on the town, nice quiet meals out (or even just a quiet meal), and even dropping things you thought were important before, but realize are no longer relevant.

It’s time to transition your mindset to life insurance being something your baby needs, not necessarily something you need. It’s not even for you, really, it’s for those you leave behind. You will never see a reward of life insurance you’ve purchased on yourself. You only see the benefit from someone else having it. But you also are the only one who has to deal with the situation where someone is lost and didn’t have life insurance. Surely, you don’t want to leave the latter type to your precious newborn.

Working With An Independent Insurance Agent

Finding the perfect life insurance plan can be a difficult search, but it doesn’t have to be. There are several different types of insurance plans and thousands of different companies on the market, which means that you could spend weeks and weeks looking for the best plan to meet your needs. If you’re wanting to find the best plan for you, without spending hours and hours on the phone, you should contact one of our independent insurance agents. Unlike a traditional agent, independent brokers work with dozens and dozens of highly-rated companies across the nation, which means they can bring all of the best insurance premiums directly to you.

Our independent insurance agents have years of experience working with all kinds of different applicants. We know which companies are going to offer you the best premiums for your insurance coverage. As a new mom, you don’t have time to call dozens of agents. Working with one of our independent agents will save you both time and money on your plan.


Follow us all month long as we dive deeper into why life insurance for new parents is so critical, and the many applications where it might be relevant. We’ll also be showing you ways to utilize resources to find the best policy, and even things you’ll want to avoid when you’re considering your first policy.

No matter if you need $100,000 or a million dollar insurance policy, we can answer your questions and help you get the coverage you deserve. Because you never know what’s going to happen tomorrow, you shouldn’t wait any longer to get the life insurance coverage that your family will deserve. Our agents have years and years of experience, we can answer any questions that you have and ensure that you’re getting the best plan to meet your needs.

As a mother, you may not be bringing home a paycheck every month, but that doesn’t mean that you shouldn’t have a life insurance plan in place. It’s a morbid thought, but your family would struggle if something were to happen to you. Losing a loved one is never easy, but having a life insurance plan is going to make the process as easy as possible.

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