Let’s be honest. Life insurance isn’t exactly the hottest topic around the dinner table. It’s one of those grown-up things that gets buried under grocery lists, school pickups, laundry piles, and trying to remember which kid likes the crusts cut off. But here’s the thing — life insurance matters.
Especially if you’re a mom. I get it. I used to think it was just for high-flying professionals or people with complicated financial portfolios. But that thinking nearly cost me peace of mind — and it could cost your family a whole lot more.
Let’s talk about why some people (maybe even you?) think life insurance isn’t important — and why we need to rethink that, stat.
1. “I’m young and healthy — I don’t need it yet.”
Sure, you might be healthy now, chasing toddlers and power-walking with a double stroller. But life is unpredictable. Accidents, illnesses, and unexpected tragedies don’t check your age or health status before they show up.
Why life insurance for mums matters: Buying life insurance while you’re young and healthy actually means lower premiums. The longer you wait, the more expensive it becomes. Locking in a policy now can save your family thousands in the long run.
2. “I’m not the breadwinner.”
If you’re staying home or working part-time, it might feel like your role doesn’t carry a dollar sign. But let’s break that down. If something happened to you, who would:
- Take care of the kids full time?
- Cook, clean, organize school stuff, and run the house?
- Provide the emotional support and structure that kids rely on?
Why it matters for moms: If you’re gone, someone else would need to step in — and that costs money. A stay-at-home parent’s “replacement value” has been estimated in the six figures annually. Life insurance can help cover that massive gap.
3. “We’re already tight on money — can’t afford another bill.”
Totally get it. Between daycare, diapers, soccer fees, and the never-ending snack budget, finances are stretched. But here’s the truth: basic term life insurance can cost less than a Netflix subscription. Why it matters for moms: If money’s already tight, imagine how hard things would be if one income disappeared. A small monthly payment now could mean your family doesn’t have to move, go into debt, or drastically change their lifestyle later.
4. “It’s just too overwhelming to figure out.”
Insurance-speak feels like it was invented to make moms cry into their coffee. Terms like “term vs. whole,” “beneficiaries,” and “underwriting” can be confusing — but that’s what advisors and easy-to-use online platforms are for. Why it matters for moms: Getting educated about life insurance doesn’t need to take hours.
In fact, there are tools designed specifically to walk moms through it in 10 minutes or less. The hard part? Starting. After that, it’s actually easier than you think.
5. “I’ll deal with it later.”
Later feels like the magical time when the laundry is folded and your inbox hits zero. But when it comes to life insurance, waiting can cost you — literally and emotionally. Why it matters for moms: Tomorrow isn’t promised. That’s not meant to scare you — it’s meant to empower you. Setting up life insurance now is one of the most selfless, loving acts you can do for your family. It’s not about you. It’s about protecting their future, no matter what.
The Bottom Line
You don’t need to be rich, a financial expert, or even the main income-earner to make life insurance worthwhile. You just need to be someone who loves her family and wants to make sure they’re okay — no matter what. We plan for birthday parties. We plan meals. We plan for school clothes and dentist visits.
‘Let’s also plan for the unthinkable, just in case — and hope we never need to use it. Because moms don’t just nurture life — we protect it, too.– A fellow mom who finally got her policy (and slept better after)
