We’ve had a term life insurance policy on my husband for many years. It’s something we rarely think about but feel better knowing it’s there. That policy is coming to an end soon—and here’s the tricky part: my husband now has some health problems. Realistically, we don’t expect to get a good rate on a new term policy for him.
That got me thinking: What about me?
My mom passed away at just 50 years old. Ovarian cancer has run on her side of the family for two generations. Yikes, right? I don’t feel anywhere near death’s door, but I’m painfully aware of how quickly life and health can change. There’s always that little voice wondering, will I face the same fate?
I’ve been a regular listener to the Dave Ramsey podcast for years–it’s one of the things that keeps me motivated to make smart financial choices. Dave and his team are always adamant that term life insurance is an incredibly valuable product for anyone with people depending on them financially.
So, I decided to take action.
I reached out to Zander Insurance to get a recommendation. Honestly, I was prepared for sticker shock. I figured that at 47, the cost of a new term policy might be more than I wanted to spend. But I was pleasantly surprised at the rate they quoted me. Even better? It felt reassuring to know that after reviewing my medical history, they still came back with such a good number. It was like a quiet pat on the back from the universe saying, You’re doing okay.
I went ahead and activated the policy.
When I’m prepared for the worst, I can relax and enjoy life so much more. This feels like that… but on steroids. Death is the furthest thing from my mind but waiting to do this could have cost so much more in the long run. Higher premiums—or worse, leaving my family without the security of my income. These are not risks I’m willing to take.