This is it—a new year, a new you! We’ve got a clean slate and a fresh outlook and this year is our chance to do something big! We’re partnering with life insurance startup Haven Life to help you learn how to achieve financial peace of mind in the new year.
With each baby that my husband and I have brought home from the hospital came a promise that we would take care of them forever. 
Watching our kids grow up is the greatest gift I have ever been given and it is one of the most sacred privileges of being a parent. Believe me, I’m planning on a long future ahead with them, but there’s always those just in case questions.
This is Your Year–How To Achieve Peace of Mind and Financial Security in the New Year
I always look forward to the new year as an opportunity to evaluate my life and what I’d like to accomplish. It’s the perfect opportunity to make goals and set things in motion while I’m highly motivated. This year, I know I need to follow through with something that’s been nagging at me for quite some time now.
Maybe it’s the fact that a close cousin of mine passed away and left a wife who is my age and three little girls behind, but I can’t stop thinking about what would happen to my little family if, heaven forbid, my husband or I passed away.
{photo credit: Erin Dahl Photography}
Because of the struggles we’ve witnessed first-hand, the thought has been tugging at me: You need to get life insurance. It might be a morbid thought to some, but having life insurance is actually a safety precaution that is quite a practical and responsible thing to do. It’s an act of love, really.
Life Insurance as Peace of Mind
Several years ago we purchased a small life insurance policy for my husband and it’s crazy, but after we did it, I felt an inner peace that helped set my over-active mind at ease. At the time, he had just finished Physical Therapy school and we just bought our first house. We had significant student loan debt that I knew would fall on me in the case that something should unexpectedly happen to my husband. Not only would I have to carry our family through a crisis, but I’d have the burden of insurmountable debt as well.
No one wants to deal with that.
This new year, I’ve made it a personal goal to start being more financially savvy. Part of doing that is ensuring that both my husband and I are protected with life insurance. I want to feel more financially secure, and I want to prepare for my family’s future—no matter what life throws our way.
This little family that I have—my small children and husband—they are my life. I think about them all the time. The proceeds of a life insurance policy can be used to help ease day-to-day financial burdens, cover funeral costs, and pay down debts in the case of death. That’s peace of mind that every parent wants to have. And if like me, you want to be more financially savvy in the New Year, it’s actually a very simple thing to check off your “to-do” list.
Haven Life: Affordable Life Insurance
In all my shopping around, I’ve been very impressed by Haven Life because of 1) their reputation, 2) the quality of term life insurance that Haven Life can provide, 3) how easy they’ve made it to purchase high-quality coverage, and 4) how affordable Haven Life is.
1. The Haven Life Reputation
See what one busy mom recently said about her experience:
“I had been putting off getting life insurance, but when I had my second baby I decided it was time. I was pleased to find that I could use a largely online process. Everything was smooth – I applied on my phone and when I needed a medical exam, the lab tech came to my office. A few days later I was able to purchase my policy. I also had a good experience with customer service – they were very responsive and knowledgeable.”
All you need to know about a company is what its customers think about it, and Haven Life has a lot of happy customers – see for yourself.
2. Quality Term Life Insurance
Haven Life is backed and wholly owned by MassMutual – a leading insurer that’s been around for more than 160 years. You want that kind of stability when you’re purchasing a policy that will protect your family for the next 10, 15, 20 or even 30 years.
3. Life Insurance That’s Actually Simple
Most people avoid getting life insurance because they think it is a huge rigmarole to sign up. And sometimes it is! But what’s great about Haven Life is that buying the right policy is incredibly simple.
Purchasing life insurance shouldn’t have to be a tedious, paperwork-laden process, and it isn’t with Haven Life. You can apply online and immediately find out if you’re approved for coverage and what your real rate will be. If approved, coverage can start immediately. Additionally, some qualified applicants will be able to finalize coverage without the need for a medical exam. Haven Life makes the whole process as simple as possible.
4. Holy cow, that is affordable!
I’m always on the lookout for a bargain and the same applies to any insurance policy I buy. One common misconception people have about life insurance—an a big reason that prevents people from buying it—is that it’s too expensive.
Here’s an example of how affordable a policy can be: a healthy 35-year-old married woman (like myself) can purchase purchase a 20-year, $500,000 Haven Term policy starting at about $18 per month. That’s less than what some people spend on coffee each week!
Get your own personalized estimate for a policy here.
If you’ve been thinking that it’s finally time to purchase life insurance or if the thought’s been nagging you to increase your coverage, now is the perfect time. This year. Right now. Take your family’s financial security into your own hands by crossing off the one item on your checklist that can give you so much peace of mind.
And if you want to learn more about Haven Life and about your life insurance needs in general, here are some resources for you…
or calculate what your life insurance needs may be.
My family has so many special moments ahead and I can take peace of mind in knowing that my children will always be taken care of.
Photos by Shelley Coates
*Thank you to Haven Life for sponsoring this post. All thoughts and opinions are my own.
Haven Term is a Term Life Insurance Policy (ICC15DTC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 and offered exclusively through Haven Life Insurance Agency, LLC.
The post New Year, New You–Peace of Mind and Financial Security in the New Year appeared first on How Does She.
by Nicolette via Home And Garden
No comments:
Post a Comment