This post was sponsored by MetLife as part of an Influencer Activation for Influence Central and all opinions expressed in my post are my own.
When my stepdad passed away we didn’t think he had life insurance. As we were trying to deal with his death, my mom was in turmoil trying to figure out how she would pay for the burial he deserved. It was two of the most stressful days of our lives. Luckily we were able to put it on a charge card and forget about the outrageous bill while we mourned our loss. We then had to figure out how we were going to pay off this charge so we didn’t get whacked with crazy interest charges. The one thought that kept crossing our mind was, “Why didn’t he have life insurance!?” My mom was in disarray for weeks wondering how she would live since he was the breadwinner.
As we sorted through his papers, we found a life insurance policy. It was a blessing and things turned out fine. This was a turning point for all of us. The topic we all would do anything to avoid now became the center subject. We needed to know that everyone had insurance, how much it was for, and where the papers were. I was so concerned about my mom and grandmother that I forgot to talk about this with my husband.
When the children were small we always made sure my husband had enough life insurance so the children and I would survive. At each of my jobs, I also was sure to opt into the life insurance. Once the children grew up and moved out, we didn’t worry as much. Our guard was let down and when I left my job to open my own business, I didn’t think about finding a policy on my own. It was always something I would do “tomorrow”.
“The best time saver in the world – Tomorrow”
This is not an uncommon thing for nearly 50% of woman. I guess we forget that we need life insurance just as much as men. We comprise nearly half the workforce and generate significant income for our families. We may not have a 9-5 job but many of us are entrepreneurs and have Etsy shops, sell Lip Sense, consulting, and more. These freelance roles don’t give us access to life insurance through a traditional workplace and we put it on the back burner
Our spouse may be the breadwinner but any money we bring into the house matters. Not only that, but should something happen to us, our spouse may need time away from work for many reasons (bereavement or estate issues to name two). Maybe our spouse would need to move closer to family to get help with childcare or just help with the children in general. The average cost for a four-year-old in center-based child care is nearly $13,000 a year or approximately $1080 per month, with costs of care ranging much higher for infants.
Truthfully, I am one of the slackers. I’m thankful that I was asked to be a part of this campaign because it reminded me of the importance of life insurance! MetLife has created a simple term life insurance product that provides up to $500,000 in coverage, without an in-person medical exam or requests for fluids, like blood and urine, ever, just a handful of health questions.
When you fill out the information, you receive a yes/no decision about coverage and a quote in real-time online or by phone. I filled out the information and got my quote in about 4 minutes. I even played around with different coverage amounts to see the differences. I’m happy to say my husband will now be financially secure since I now have insurance. We also looked into this for him for an extra cushion. Get your quote today http://goic.io/nK5Pnc It’s super easy!
For more information on the full terms, conditions and limitations about the MetLife Rapid Term product, I encourage you to look at MetLife’s MetLife Rapid Term website.
 LIMRA Life Insurance Ownership in Focus, U.S. Person-Level Trends: 2016
 Child Care Aware® of America, Parents and the High Cost of Child Care: 2016
 2017 LIMRA Insurance Barometer Study
 US Census Bureau, 2014 Annual Social and Economic Supplement
Get your quote right now with MetLife http://goic.io/nK5Pnc