This post was sponsored by MetLife as part of an Influencer Activation for Influence Central and all opinions expressed in my post are my own.
No one thinks about life insurance until you have to. Unfortunately, life does not generally go according to plan, but the scary thing is only about half of women today have life insurance. That’s a statistic that needs to change.
- Do you contribute to your family’s finances?
- Are the primary caretaker for your kids?
- Do you handle things around the house?
If you were gone, those things would still have to be taken care of.
Childcare can cost thousands of dollars a month alone . Medical bills and funeral costs can become a huge burden.
A few years ago, we lost my sister in law. It was unexpected and it shook us to the core. The last thing we wanted to think about was money. She had a small life insurance policy that covered part of her funeral expenses and that was an enormous help.
We didn’t have that same safety net in place when my son passed away a few years ago. We quickly learned that funeral costs could really add up. It was definitely not something I wanted to think about at the time, but it was a problem that had to be faced.
Families with working moms face an additional challenge.
I know many work at home moms that are bringing in a significant income with work at home jobs, full time jobs outside of the home, and part-time work. I’m currently the sole provider and my family would have to deal with replacing my financial contributions.
The emotional side of a loss is hard enough to deal with. When you add the financial and logistical issues into the equation, dealing with a loss can be completely overwhelming to families.
What stops Moms from Getting Life Insurance?
There are probably all kinds of reasons why most women don’t have life insurance. It’s easy to put it on the back burner. You don’t want to ever be in a position to need it so you don’t think about it.
It can also be a bit overwhelming to put a policy into place, especially if you don’t know much about life insurance.
MetLife is working to take that hurdle away with the creation of a simple term life insurance product that provides women and men with up to $500,000 in coverage.
With MetLife Rapid Term, applicants will never be asked to complete an in-person medical exam or submit fluids, like blood or urine, ever; the application just asks a handful of health questions, which can be completed online.
After you apply, you get a yes/no decision about coverage and a real-time quote (online or over the phone).
As a work at home mom, the only thing I’ve ever missed about working for someone else is the benefits that come with it so this is a great option to look into if you work at home or aren’t employed outside of the home.
My guess if getting life insurance for yourself has probably crossed your mind at one point or another. MetLife Rapid Term can be a great option for busy women who need coverage they can count on.
For more information on the full terms, conditions and limitations about the MetLife Rapid Term product, I encourage you to look at MetLife’s MetLife Rapid Term website.
 Child Care Aware® of America, Parents and the High Cost of Child Care: 2016