Funeral, burial, loss—words that trigger our survival instincts, making death feel like something that happens to other people. But while it’s uncomfortable to think about, preparing for the inevitable can actually ease those feelings of uncertainty. One of the best ways to do this is by selecting the right life insurance policy and beneficiaries for you and your loved ones.
The Importance of Life Insurance
Think about airbags in a car. You don’t have to activate them; they’re just there, providing extra security in case of an accident. Life insurance works the same way—it’s a safeguard that ensures your loved ones are taken care of financially, even if you’re no longer there to provide for them.
Many people assume their employer-provided life insurance is enough. However, these policies typically cover only immediate expenses like funeral costs. They often don’t account for major financial responsibilities like mortgages, debts, or long-term legacy planning. Plus, most employer-based policies don’t follow you if you leave the company. That’s why it’s essential to review your coverage and make sure it truly meets your family’s needs.
Why Is Life Insurance So Hard to Talk About?
Conversations about death can feel daunting, but avoiding them doesn’t make the reality go away. In fact, discussing life insurance can reduce stress and provide long-term benefits for your loved ones.
Psychologists have found that our brains are wired to reject the idea of our own mortality. Our minds constantly gather and store information to help us survive, but death is the one thing they can’t fully process. When faced with thoughts of our own passing, our brain’s ability to predict and plan essentially shuts down, making it difficult to acknowledge the inevitable.
The Mental Block: Why Our Brains Resist Life Insurance Discussions
Shopping for life insurance forces us to confront uncomfortable realities: How much debt do we have? How much financial support will our family need when we’re gone? Imagining life after our death goes against the brain’s natural wiring, which is why these conversations often feel overwhelming. But understanding this resistance can help us push through it.
Final Thoughts
Talking about death isn’t easy, but it’s necessary. The more we understand our natural resistance to these conversations, the better equipped we are to push past the discomfort. Life insurance doesn’t have to be a burdensome task—it’s a practical step toward securing your family’s financial future. Being prepared offers peace of mind, both for you and for those who matter most.
This is why our team at Roland, Abbott, & DeZoort Insurance is prepared to walk with you and your family through the process of acquiring the right life insurance policy at the right price. Give us a call today and give yourself and your family the peace of mind that you deserve.
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