New Parent’s Guide to Life Insurance

Leap Life Insurance


Yayyy Life Insurance…NOT. I mean I get it, who wants to talk about something that’s ultimately related to your death? Bummer right 😥 I was told by like 5+ people after I had my daughter that I needed to get life insurance. Ummm, I just had this amazing tiny human and now you want me to plan for my death?!? Do what!! Let’s just say I was a little thrown off at first. It wasn’t until I looked into it all that I realized how important life insurance truly is and understood then why it was being brought up. I know a lot of us have tons of questions so let’s break down my top three questions you should ask yourself when thinking about life insurance, and yes you should be thinking about it!


What is Life Insurance?


It’s an insurance policy between the provider and the insured person that will pay out a sum of money to their beneficiaries upon their death. The beneficiaries can be your husband, kids, parents, family, or friends. This is going to be the person that you would want the money to go to in the event of your death. You pay a premium/fee set out when you sign up to have the insurance. There are 2 types of life insurance: term or permanent. The basis of Term Life Insurance is that the benefit only pays out if you die during the time period you chose (10-35 years) and permanent insurance builds cash value in addition to having a death benefit. Because of the cash value,  permanent insurance is more expensive. My choice for myself was Term Life Insurance, and that’s what I’ll focus on here but of course do your research and pick the best option for you & your family.

Here’s an example to help you better understand what Life Insurance is. If I buy a $2,000,000 policy and I’m making my premium payments (this is basically just like you do with car insurance), then when I die my beneficiary will receive $2,000,000. Pretty easy to understand that, right? Okay- next question to ask yourself.


Do I Need Life Insurance?


The simple answer to this is, if your death would financially affect someone else- you need life insurance. Now it makes sense why my friends & family we’re asking me right after I had my daughter if I had life insurance yet! Once that tiny little baby comes into the world your purpose is to take care of them. You are their everything and their provider. If something was to happen to you, would it affect them? For most of us, the answer is most definitely. Both Cora’s dad and I work, but both of our income plays into our household financials and if mine was no longer there or even his, it would affect us for sure. Buying a life insurance plan will help cover those costs such as the funeral expenses, bills, childcare, whatever it may be. It’s there to help them while they figure out the next step in their lives.

I do want to add here that even if you don’t work, for example a stay-at-home parent, it’s still important for you to have life insurance. Stay-at-home parents do SOO much! If you were not around then someone would have to still be doing a lot of the things you were such as: childcare, cleaning, cooking, etc etc. Those things you do as a stay-at-home parent would need to be handled by someone so it’s still really important even if you do not have an out of the home job that you still have life insurance.


Where to Get Life Insurance?


This can be the tricky part, and the main reason it took me so long to get it. We have plenty of life insurance agents in my town and I know I can set up a meeting to go in, but I have plenty of excuses not to. I’m busy, it will be awkward, I don’t know them, they are just trying to make a sale, and I don’t want to have to go to a physical/ checkup or whatever long list of questions they will make me fill out. The list could go on & on, and I understand the hesitation but it doesn’t have to be that way! I discovered a great site called Leap Life that makes the process hassle-free. Yes you heard that right, it’s actually easy & can be done within 10 minutes to have a Term Life Insurance policy! Whoo Whoo  😎

With Leap Life, they do all the heavy lifting for you.They carefully select the carriers that offer the best rates and have the highest financial and customer satisfaction ratings, and then you’re able to select the best option for you PLUS what you can afford. Within 2 minutes, you can have a no strings attached quote that will give you 3 options for coverage based on the small amount of information they ask. You don’t even have to provide an email or phone number to get your quote, it truly is hassle-free! After that, you can customize the life insurance based on exactly what you’re looking for- policy amount & the term. Leap Life helps customers get a 40% cheaper, precision life insurance online in minutes, by matching the customer to the right policy minutes you can be completely done and insured! Life Insurance can be a tricky subject for some people and I completely understand why, but with Leap Life they make it easier for you to know your options & choose the best fit for you.

Basically the main point here is Life Insurance is important. It sucks to think about your death, but don’t you want your loved ones to have financial support when it happens. The answer is definitely yes for me, and having my beautiful daughter made me see that easily. I’m thankful for Leap Life that makes this tough subject an easy process!


Leap Life Logo


This post is sponsored by Leap Life. All thoughts and opinions are my own.

Tagged , , , ,

About parenthoodbabystyle

75 thoughts on “New Parent’s Guide to Life Insurance

  1. hi!,I like your writing very much! proportion we keep in touch
    extra about your article on AOL? I need an expert
    in this house to resolve my problem. Maybe that’s you!
    Looking ahead to see you.

  2. Hello there, I found your blog via Google while looking for a related topic, your web site came up, it appears to be like good.
    I have bookmarked it in my google bookmarks.
    Hi there, just turned into aware of your weblog via Google,
    and found that it is really informative. I am gonna be careful for brussels.
    I’ll be grateful if you continue this in future.
    A lot of other folks might be benefited out of your writing.

  3. I believe that is one of the most vital info for me. And i am happy studying your
    article. But should statement on some common issues, The site taste is great, the articles is in reality excellent : D.
    Excellent process, cheers

  4. You’re so interesting! I do not suppose I have
    read anything like that before. So wonderful to discover somebody with unique thoughts on this
    subject. Seriously.. thanks for starting this up.
    This website is one thing that is required on the internet, someone with a
    bit of originality!

  5. Right here is the perfect blog for everyone who wants to understand
    this topic. You understand so much its almost tough to argue with you (not that I really would want
    to…HaHa). You certainly put a fresh spin on a subject
    that’s been discussed for a long time. Excellent stuff, just great!

  6. At this time it looks like Movable Type is the
    preferred blogging platform out there right now. (from what
    I’ve read) Is that what you are using on your blog?

  7. Good post. I learn something new and challenging on blogs I stumbleupon every day.
    It’s always useful to read content from other writers and use something from other sites.

  8. Please let me know if you’re looking for a author for your site.
    You have some really great posts and I believe I would be
    a good asset. If you ever want to take some of the load off, I’d really like
    to write some articles for your blog in exchange for a link back to
    mine. Please send me an e-mail if interested. Thanks!

  9. Hey there! I know this is kinda off topic however I’d figured
    I’d ask. Would you be interested in trading links or maybe
    guest writing a blog article or vice-versa? My blog covers a lot of the same topics as yours and I feel we could greatly benefit from each other.
    If you’re interested feel free to send me an e-mail.

    I look forward to hearing from you! Awesome blog by the way!

  10. Greate article. Keep writing such kind of information on your blog.
    Im really impressed by your site.
    Hi there, You have performed a great job.
    I’ll definitely digg it and for my part recommend to my friends.
    I’m confident they’ll be benefited from this web site.

  11. You are so awesome! I do not believe I have read
    anything like that before. So good to find somebody with some
    original thoughts on this issue. Really.. thanks for starting this up.
    This website is one thing that is needed on the web, someone with a little originality!

  12. After going over a number of the articles on your web site, I really appreciate your technique of blogging. I book-marked it to my bookmark webpage list and will be checking back in the near future. Take a look at my website as well and tell me how you feel.

  13. Excellent goods from you, man. I’ve understand your stuff previous to and you’re
    just extremely wonderful. I actually like what you have acquired here, certainly like what you are saying
    and the way in which you say it. You make it enjoyable
    and you still take care of to keep it smart. I can not wait to read far more
    from you. This is really a great site.

  14. Great beat ! I wish to apprentice at the same time as you
    amend your website, how can i subscribe for a weblog site?
    The account aided me a appropriate deal. I were a little bit familiar of this your broadcast offered brilliant transparent idea

  15. you’re really a good webmaster. The site loading
    speed is amazing. It seems that you are doing any
    distinctive trick. Also, The contents are masterpiece.
    you’ve performed a great task on this matter!

  16. Howdy just wanted to give you a quick heads up. The words in your post seem to
    be running off the screen in Safari. I’m not sure if this is a formatting
    issue or something to do with web browser compatibility
    but I figured I’d post to let you know. The layout look
    great though! Hope you get the problem resolved soon. Many thanks

  17. It’s a pity you don’t have a donate button! I’d without a doubt donate
    to this fantastic blog! I suppose for now i’ll settle for book-marking and adding your RSS feed to my Google
    account. I look forward to brand new updates and will talk
    about this blog with my Facebook group. Chat soon!

  18. Fantastic beat ! I wish to apprentice while you amend your web site, how
    can i subscribe for a blog website? The account aided me a acceptable deal.
    I had been a little bit acquainted of this your broadcast offered bright clear concept

  19. Somebody necessarily help to make significantly articles I might state.

    This is the very first time I frequented your
    web page and up to now? I amazed with the analysis you made to make this
    actual put up extraordinary. Magnificent process!

  20. Cool blog! Is your theme custom made or did you download it
    from somewhere? A design like yours with a few simple tweeks would really make
    my blog stand out. Please let me know where you got your design. Thanks

  21. Good day! This post couldn’t be written any better!
    Reading this post reminds me of my good old room mate! He
    always kept talking about this. I will forward this write-up to him.
    Pretty sure he will have a good read. Thank you for sharing!

  22. Hey there I am so thrilled I found your weblog, I really found you by error,
    while I was searching on Aol for something else, Anyhow
    I am here now and would just like to say many thanks for a marvelous post and a all round
    enjoyable blog (I also love the theme/design), I don’t have time to look over it all at the moment but I have book-marked it and also added in your RSS
    feeds, so when I have time I will be back to read much more, Please do keep up the fantastic jo.

  23. Hello I am so thrilled I found your blog, I really found you by accident, while I
    was looking on Aol for something else, Regardless I am here now and
    would just like to say many thanks for a fantastic
    post and a all round exciting blog (I also love the theme/design), I don’t have time to look over
    it all at the minute but I have saved it and also added your RSS feeds, so when I have time I will be back to read much more, Please do keep
    up the excellent job.

  24. It’s a pity you don’t have a donate button! I’d most
    certainly donate to this superb blog! I suppose for now i’ll settle for
    book-marking and adding your RSS feed to my
    Google account. I look forward to new updates and
    will talk about this site with my Facebook group. Chat soon!

  25. Ignatius Piazza, the Millionaire Patriot, wants you to see the most awe inspiring reality show series ever, called Front Sight Challenge. Cherry blossom tattoos represent different things in different cultures. These art reproductions of paintings printed on canvas sheets or paper after which framed and hung on walls.

  26. I do accept as true with all the ideas you’ve introduced in your post.

    They’re really convincing and can certainly work. Still, the posts are too short for newbies.
    May just you please prolong them a bit from subsequent time?
    Thanks for the post.

  27. Howdy are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started
    and set up my own. Do you require any html coding knowledge
    to make your own blog? Any help would be really appreciated!

  28. I am curious to find out what blog system you happen to
    be using? I’m experiencing some small security problems with
    my latest website and I would like to find something more safeguarded.
    Do you have any suggestions?

Leave a Reply

Your email address will not be published. Required fields are marked *