A Letter to the Person Who Still Hasn’t Bought Life Insurance
Dear You,
Yes. You.
The one who keeps meaning to look into it.The one who says, “We’ll get to it.”The one who thinks, “We’re young. We’re healthy. We have time.”
I need you to pause for a minute.
This isn’t about fear.This isn’t about doom.This isn’t about expecting the worst.
This is about love that plans ahead.
You insure your car.You insure your house.You probably insure your phone — the phone you’ll replace in two years.
But you haven’t insured the income, the stability, the safety net your family depends on every single day.
Why?
Because it feels uncomfortable?
So does grief.
Because it feels morbid?
So does a funeral.
Because you don’t want to think about dying?
Neither does your spouse. Neither do your kids.
And yet… death does not consult our calendars.
Life insurance is not a bet against your future.It’s a promise to the people you love most.
It says:“If I am not here, you will not lose everything.”
It says:“You will have time to grieve without panic.”
It says:“The mortgage will still be paid. The lights will stay on. The groceries will be bought.”
I have walked through enough loss to tell you this:The emotional devastation is enough.Financial devastation should not be layered on top of it.
When someone dies, the casseroles come.The flowers come.The posts come.
And then the bills come.
Medical bills.Credit card bills.Funeral bills.College tuition.Childcare.The everyday life that does not stop simply because someone’s heart did.
And the truth is — GoFundMe is not a financial plan.
Crowdfunding should not be the backup strategy for love.
You may think, “We’ll figure it out.”
But here’s what I want you to understand:Grief changes your capacity.
It changes your ability to think clearly.To make big decisions.To negotiate.To hustle.To be strong.
The brain under grief is not the same brain you have right now.
So make the decision now — while your mind is clear and your heart is steady.
Life insurance is not expensive when you buy it young and healthy.It is expensive when you wait.It is impossible when you wait too long.
And no one ever regrets having it.But I have seen too many people regret not having it.
You might be thinking, “Nothing is going to happen.”
I hope you’re right.
I pray you’re right.
I want you to live long and loud and full.
But hope is not a financial strategy.
Preparation is.
Buying life insurance does not mean you lack faith.It means you understand responsibility.
It means you are a grown-up in the most loving sense of the word.
It means you are saying,“I refuse to let my absence become a financial catastrophe.”
It is one small monthly payment that protects decades of stability.
It is boring.It is unglamorous.It will never get a social media post praising you.
But it is one of the most powerful acts of quiet leadership you can make for your family.
And if you are single?If you think no one depends on you?
Someone does.
Maybe it’s aging parents.Maybe it’s debt that would fall on someone else.Maybe it’s simply the dignity of covering your own final expenses.
Love is not just emotional.It is logistical.
Love prepares.
Love plans.
Love protects.
So here’s what I’m asking you to do — not someday. Not next month.
This week.
Call an agent.Research term life.Ask questions.Run the numbers.
And then get it done.
Not because you’re afraid.
But because you’re responsible.
Not because you’re pessimistic.
But because you’re protective.
Your family deserves to grieve you — if that day ever comes — without also grieving their financial security.
That is not morbid.
That is mercy.
With love — and just enough firmness to mean it,
Me
