When life changes in an instant, the people you love shouldn’t have to worry about money. Life insurance is about love and logistics—making sure your family can grieve without a financial crisis.

Lock In Their Future: The Real Reason to Get Life Insurance for a Child (It’s About Insurability, Not Investments)

The short story

Most parents hear “child life insurance” and think college savings. The real value is simpler and more powerful: locking in insurability and low, level rates while your child is young and healthy—so they can get more coverage later even if health changes.

Military families shoulder a lot—service, moves, and tight schedules. While you’re in uniform, group life insurance helps. But benefits change the day you separate, and even before that, many families are under-insured for a mortgage, childcare, college, and years of income. Here’s the fast guide to what you have now and why adding a private policy can be the missing piece.

When people think about life insurance, they often imagine it’s only for the person bringing home a paycheck. But as someone who has been both a stay-at-home mom and a single mom, I can tell you firsthand—that thinking is incomplete.

I’ve spent different seasons of my adult life as a stay-at-home mom, and I was a single mom from July 2022 to November 2024. Both roles came with unique responsibilities, challenges, and strengths. And both roles made one thing very clear: life insurance isn’t optional—it’s essential.

Life insurance can feel confusing — and with so many myths floating around, it’s easy to misunderstand what it is and how it works. So let’s clear things up with a quick, honest look at five common statements about life insurance. Can you guess which ones are true and which ones are false?

You don’t have to be “old,” wealthy, or have a big family to need life insurance. You just need people who would feel the loss — emotionally and financially — if something happened to you.

When it comes to life insurance, one of the most common reasons people hesitate is cost. I hear it all the time: “I’d love to get coverage, but I just can’t afford it right now.”
But here’s the truth: most people overestimate the cost of life insurance by 2 to 3 times. And many are surprised to learn that quality protection may cost less than a coffee a day.

Life insurance is one of those things we all know we should have—but it’s easy to put off. Between busy schedules, changing life circumstances, and uncertainty about what kind of policy is best, it’s no surprise that so many people wait until it feels urgent. But life insurance isn’t just about planning for the worst. It’s about protecting the best—the people and future you love most.

It all begins with an idea.