5 True or False Facts About Life Insurance

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?

1. “Life insurance is only for people with kids.”

❌ False.
While parents often benefit the most from life insurance, they’re not the only ones. If anyone relies on your income — a partner, a parent, or even a business partner — then life insurance can be a smart and loving financial decision.

2. “It’s too expensive for most people.”

❌ False.
This is one of the biggest myths out there. Most people overestimate the cost by 2–3 times. Many affordable options exist — some starting at less than $1 a day — especially if you’re young and in good health.

3. “You have to take a medical exam to get coverage.”

✅ True… but not always.
Some policies require a medical exam, but there are plenty of simplified or no-exam options available, depending on your age, health, and coverage needs. I can help you explore both.

4. “Life insurance through my job is enough.”

❌ False.
Employer-provided life insurance is a great benefit, but it’s often limited and disappears if you leave your job. It’s usually wise to have your own personal policy — one that stays with you no matter where life takes you.

5. “You can change or update your policy over time.”

✅ True.
Your life changes — and your insurance should too. Many policies can be reviewed and adjusted, especially during key life events like marriage, a new baby, or buying a home. Annual reviews help keep your coverage on track.

Final Thoughts

Life insurance doesn’t have to be overwhelming — it just has to work for you. If you’re not sure where to start or still have questions, let’s talk. I’m here to help you understand your options and feel confident in your coverage.

Schedule your free consultation today — no pressure, just honest answers.