{"id":12327,"date":"2020-06-16T10:00:00","date_gmt":"2020-06-16T14:00:00","guid":{"rendered":"https:\/\/lifehappens.org\/?p=12327"},"modified":"2020-08-14T12:28:10","modified_gmt":"2020-08-14T16:28:10","slug":"is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study","status":"publish","type":"post","link":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/","title":{"rendered":"Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study"},"content":{"rendered":"\n\n\n[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.4.9&#8243;][et_pb_row _builder_version=&#8221;4.4.9&#8243;][et_pb_column _builder_version=&#8221;4.4.9&#8243; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.4.9&#8243; hover_enabled=&#8221;0&#8243;]<p>For the last decade, Life Happens and LIMRA have come together to understand the \u201cfinancial pulse\u201d of consumers as part of the annual Insurance Barometer Study. This year\u2019s study reviews 10 years of consumer data on life insurance and related financial issues, providing a point of view from January 2020, before COVID-19 significantly impacted the U.S.<\/p>\n<p>Life insurance acts as a vital protective blanket for loved ones when the unexpected happens. But for many, this realization comes too late.<\/p>\n<h2>The Insurance Ownership Gap<\/h2>\n<p>Before the pandemic, close to half (46%) of U.S. adult consumers did not own life insurance. While 36% of respondents said they intended to purchase life insurance in the next 12 months, many were without it during the height of COVID-19 in the U.S. Lack of ownership may be adding to mounting financial stress Americans are facing. Almost half (44%) of those surveyed state that they would feel a financial impact within six months if the primary wage earner were to pass away. More than a quarter (28%) would feel it within one month. This doesn\u2019t need to become a reality, but as more consumers delay taking action they are putting their loved ones at risk.<\/p>\n<p>Ownership of life insurance this year fell among households in the lower and middle-income categories (i.e., under $100,000), declining by 25% over the past 10 years. For those who do own life insurance, the top reasons are:<\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.4.9&#8243;][et_pb_column _builder_version=&#8221;4.4.9&#8243; type=&#8221;4_4&#8243;][et_pb_image src=&#8221;https:\/\/lifehappens.org\/wp-content\/uploads\/2020\/07\/why-life-chart-barometer-2020.jpg&#8221; _builder_version=&#8221;4.4.9&#8243; title_text=&#8221;why-life-chart-barometer-2020&#8243; hover_enabled=&#8221;0&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.4.9&#8243;][et_pb_column _builder_version=&#8221;4.4.9&#8243; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.4.9&#8243; hover_enabled=&#8221;0&#8243;]<h2>Life Insurance: (Not) Something for Tomorrow<\/h2>\n<p>Be smart, buy life insurance when you\u2019re young. Results show that 40% of people who own life insurance wish they had purchased policies at a younger age. While it\u2019s best to get a life insurance policy when you\u2019re young and healthy, research shows that many do not take action when they can typically secure a more affordable rate.<\/p>\n<p>However, perception of cost may be the most significant barrier. Half (50%) of Millennials believe the estimated yearly cost for a $250,000 level-term life insurance policy for a healthy 30-year-old is $1,000 or more when in actuality, it\u2019s closer to $160 per year. Other top reasons people do not own (more) life insurance are:<\/p>\n[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.4.9&#8243;][et_pb_column _builder_version=&#8221;4.4.9&#8243; type=&#8221;4_4&#8243;][et_pb_image src=&#8221;https:\/\/lifehappens.org\/wp-content\/uploads\/2020\/07\/not-owning-barometer-2020.jpg&#8221; _builder_version=&#8221;4.4.9&#8243; title_text=&#8221;not-owning-barometer-2020&#8243; hover_enabled=&#8221;0&#8243;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.4.9&#8243;][et_pb_column _builder_version=&#8221;4.4.9&#8243; type=&#8221;4_4&#8243;][et_pb_text _builder_version=&#8221;4.4.9&#8243; hover_enabled=&#8221;0&#8243;]<h2>An Over-reliance on Employer Benefits and Decline in Ownership<\/h2>\nDon\u2019t hedge your bets. Over the last 10 years, a drop in ownership of life insurance and disability insurance could be tied to a broad decline in employer-paid group benefits, showing that consumers were over-relying on their employers for important financial protection. While over time this may lead many consumers to purchase individual coverage, the study found that only 16% of Americans have disability coverage. Ownership may be even lower now, in light of the <a href=\"https:\/\/www.bls.gov\/opub\/ted\/2020\/unemployment-rate-rises-to-record-high-14-point-7-percent-in-april-2020.htm\">unemployment numbers<\/a> in April 2020, but could increase over time as people return to work or purchase individual policies. As many consumers look to take control of their finances and plan for a more stable future, both disability and life insurance should be important parts of their financial plan and safety nets.\n\n<strong>Life insurance is today\u2019s problem.<\/strong> To take action and get the protection you need, Life Happens has a free <a href=\"https:\/\/lifehappens.org\/insurance-overview\/life-insurance\/calculate-your-needs\/\">Life Insurance Needs Calculator<\/a> and <a href=\"https:\/\/lifehappens.org\/insurance-overview\/disability-insurance\/calculate-your-needs\/\">Disability Insurance Needs Calculator<\/a> to help you evaluate your coverage needs.\n\n<em>For the complete study, contact Erik Svensson at esvensson(at)lifehappens.org<\/em><em>. If you use any stats in other materials, please source as \u201c2020 Insurance Barometer Study, Life Happens and LIMRA.\u201d<\/em>\n\n<strong>Methodology for 2020 Insurance Barometer Study: <\/strong>The <em>Insurance Barometer <\/em>is an annual study that tracks the perceptions, attitudes, and behaviors of adult consumers in the United States. In January 2020, LIMRA and Life Happens engaged an online panel to survey adult consumers who are financial decision-makers in their households. This survey generated over 2,000 responses.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]\n\n\n","protected":false},"excerpt":{"rendered":"<p>For the last decade, Life Happens and LIMRA have come together to understand the \u201cfinancial pulse\u201d of consumers as part of the annual Insurance Barometer Study. This year\u2019s study reviews 10 years of consumer data on life insurance and related financial issues, providing a point of view from January 2020, before COVID-19 significantly impacted the [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":12358,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[5,4],"tags":[350,254,325,64,355,349,14,351,66,354,131,353,352],"class_list":["post-12327","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-disability-insurance","category-life-insurance","tag-2020-insurance-barometer","tag-barometer-study","tag-covid-19","tag-disability-insurance","tag-employer-benefits","tag-insurance-barometer-study-2020","tag-life-insurance","tag-life-insurance-ownership","tag-limra","tag-middle-income","tag-primary-wage-earner","tag-reasons-for-not-owning-life-insurance","tag-reasons-for-owning-life-insurance"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v23.8 (Yoast SEO v23.8) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study &#8211; Life Happens<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study\" \/>\n<meta property=\"og:description\" content=\"[et_pb_fullwidth_module_placeholder selected_tabs=&quot;all&quot;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/\" \/>\n<meta property=\"og:site_name\" content=\"Life Happens\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/lifehappens.org\" \/>\n<meta property=\"article:published_time\" content=\"2020-06-16T14:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2020-08-14T16:28:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lifehappens.org\/wp-content\/uploads\/2018\/12\/family-of-four-with-sunlight.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1762\" \/>\n\t<meta property=\"og:image:height\" content=\"1177\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Faisa Stafford, LUTCF\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@lifehappens\" \/>\n<meta name=\"twitter:site\" content=\"@lifehappens\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Faisa Stafford, LUTCF\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/\"},\"author\":{\"name\":\"Faisa Stafford, LUTCF\",\"@id\":\"https:\/\/lifehappens.org\/#\/schema\/person\/b85aafba73c654cc013390b616afd935\"},\"headline\":\"Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study\",\"datePublished\":\"2020-06-16T14:00:00+00:00\",\"dateModified\":\"2020-08-14T16:28:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/\"},\"wordCount\":780,\"publisher\":{\"@id\":\"https:\/\/lifehappens.org\/#organization\"},\"image\":{\"@id\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2018\/12\/family-of-four-with-sunlight.jpg\",\"keywords\":[\"2020 Insurance Barometer\",\"Barometer Study\",\"COVID-19\",\"disability insurance\",\"employer benefits\",\"Insurance Barometer Study 2020\",\"life insurance\",\"life insurance ownership\",\"LIMRA\",\"middle income\",\"primary wage earner\",\"reasons for not owning life insurance\",\"reasons for owning life insurance\"],\"articleSection\":[\"Disability Insurance\",\"Life Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/\",\"url\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/\",\"name\":\"Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study &#8211; Life Happens\",\"isPartOf\":{\"@id\":\"https:\/\/lifehappens.org\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2018\/12\/family-of-four-with-sunlight.jpg\",\"datePublished\":\"2020-06-16T14:00:00+00:00\",\"dateModified\":\"2020-08-14T16:28:10+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#primaryimage\",\"url\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2018\/12\/family-of-four-with-sunlight.jpg\",\"contentUrl\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2018\/12\/family-of-four-with-sunlight.jpg\",\"width\":1762,\"height\":1177},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/lifehappens.org\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/lifehappens.org\/#website\",\"url\":\"https:\/\/lifehappens.org\/\",\"name\":\"Life Happens\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/lifehappens.org\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/lifehappens.org\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/lifehappens.org\/#organization\",\"name\":\"Life Happens\",\"url\":\"https:\/\/lifehappens.org\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/lifehappens.org\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/logo_LifeHappens_primary_horizontal_color_SM.png\",\"contentUrl\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/logo_LifeHappens_primary_horizontal_color_SM.png\",\"width\":326,\"height\":50,\"caption\":\"Life Happens\"},\"image\":{\"@id\":\"https:\/\/lifehappens.org\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/lifehappens.org\",\"https:\/\/x.com\/lifehappens\",\"https:\/\/www.instagram.com\/lifehappens\/\",\"https:\/\/www.linkedin.com\/company\/lifehappensorg\/\",\"https:\/\/www.youtube.com\/c\/LifeHappensOrg\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/lifehappens.org\/#\/schema\/person\/b85aafba73c654cc013390b616afd935\",\"name\":\"Faisa Stafford, LUTCF\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/lifehappens.org\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2020\/03\/Faisa_Stafford-150x150.jpg\",\"contentUrl\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2020\/03\/Faisa_Stafford-150x150.jpg\",\"caption\":\"Faisa Stafford, LUTCF\"},\"description\":\"Faisa Stafford, LUTCF, is president and CEO of Life Happens. She has been with the nonprofit since 2003, serving in various roles, and has always been passionate about Life Happens\u2019 mission to educate all consumers about the importance of life insurance and related products.\",\"url\":\"https:\/\/lifehappens.org\/blog\/author\/fstafford\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study &#8211; Life Happens","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/","og_locale":"en_US","og_type":"article","og_title":"Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study","og_description":"[et_pb_fullwidth_module_placeholder selected_tabs=\"all\"]","og_url":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/","og_site_name":"Life Happens","article_publisher":"https:\/\/www.facebook.com\/lifehappens.org","article_published_time":"2020-06-16T14:00:00+00:00","article_modified_time":"2020-08-14T16:28:10+00:00","og_image":[{"width":1762,"height":1177,"url":"https:\/\/lifehappens.org\/wp-content\/uploads\/2018\/12\/family-of-four-with-sunlight.jpg","type":"image\/jpeg"}],"author":"Faisa Stafford, LUTCF","twitter_card":"summary_large_image","twitter_creator":"@lifehappens","twitter_site":"@lifehappens","twitter_misc":{"Written by":"Faisa Stafford, LUTCF","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#article","isPartOf":{"@id":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/"},"author":{"name":"Faisa Stafford, LUTCF","@id":"https:\/\/lifehappens.org\/#\/schema\/person\/b85aafba73c654cc013390b616afd935"},"headline":"Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study","datePublished":"2020-06-16T14:00:00+00:00","dateModified":"2020-08-14T16:28:10+00:00","mainEntityOfPage":{"@id":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/"},"wordCount":780,"publisher":{"@id":"https:\/\/lifehappens.org\/#organization"},"image":{"@id":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#primaryimage"},"thumbnailUrl":"https:\/\/lifehappens.org\/wp-content\/uploads\/2018\/12\/family-of-four-with-sunlight.jpg","keywords":["2020 Insurance Barometer","Barometer Study","COVID-19","disability insurance","employer benefits","Insurance Barometer Study 2020","life insurance","life insurance ownership","LIMRA","middle income","primary wage earner","reasons for not owning life insurance","reasons for owning life insurance"],"articleSection":["Disability Insurance","Life Insurance"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/","url":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/","name":"Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study &#8211; Life Happens","isPartOf":{"@id":"https:\/\/lifehappens.org\/#website"},"primaryImageOfPage":{"@id":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#primaryimage"},"image":{"@id":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#primaryimage"},"thumbnailUrl":"https:\/\/lifehappens.org\/wp-content\/uploads\/2018\/12\/family-of-four-with-sunlight.jpg","datePublished":"2020-06-16T14:00:00+00:00","dateModified":"2020-08-14T16:28:10+00:00","breadcrumb":{"@id":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#primaryimage","url":"https:\/\/lifehappens.org\/wp-content\/uploads\/2018\/12\/family-of-four-with-sunlight.jpg","contentUrl":"https:\/\/lifehappens.org\/wp-content\/uploads\/2018\/12\/family-of-four-with-sunlight.jpg","width":1762,"height":1177},{"@type":"BreadcrumbList","@id":"https:\/\/lifehappens.org\/blog\/is-life-insurance-tomorrows-problem-findings-from-the-2020-insurance-barometer-study\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/lifehappens.org\/"},{"@type":"ListItem","position":2,"name":"Is Life Insurance Tomorrow\u2019s Problem? Findings from the 2020 Insurance Barometer Study"}]},{"@type":"WebSite","@id":"https:\/\/lifehappens.org\/#website","url":"https:\/\/lifehappens.org\/","name":"Life Happens","description":"","publisher":{"@id":"https:\/\/lifehappens.org\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/lifehappens.org\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/lifehappens.org\/#organization","name":"Life Happens","url":"https:\/\/lifehappens.org\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lifehappens.org\/#\/schema\/logo\/image\/","url":"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/logo_LifeHappens_primary_horizontal_color_SM.png","contentUrl":"https:\/\/lifehappens.org\/wp-content\/uploads\/2021\/06\/logo_LifeHappens_primary_horizontal_color_SM.png","width":326,"height":50,"caption":"Life Happens"},"image":{"@id":"https:\/\/lifehappens.org\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/lifehappens.org","https:\/\/x.com\/lifehappens","https:\/\/www.instagram.com\/lifehappens\/","https:\/\/www.linkedin.com\/company\/lifehappensorg\/","https:\/\/www.youtube.com\/c\/LifeHappensOrg"]},{"@type":"Person","@id":"https:\/\/lifehappens.org\/#\/schema\/person\/b85aafba73c654cc013390b616afd935","name":"Faisa Stafford, LUTCF","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/lifehappens.org\/#\/schema\/person\/image\/","url":"https:\/\/lifehappens.org\/wp-content\/uploads\/2020\/03\/Faisa_Stafford-150x150.jpg","contentUrl":"https:\/\/lifehappens.org\/wp-content\/uploads\/2020\/03\/Faisa_Stafford-150x150.jpg","caption":"Faisa Stafford, LUTCF"},"description":"Faisa Stafford, LUTCF, is president and CEO of Life Happens. She has been with the nonprofit since 2003, serving in various roles, and has always been passionate about Life Happens\u2019 mission to educate all consumers about the importance of life insurance and related products.","url":"https:\/\/lifehappens.org\/blog\/author\/fstafford\/"}]}},"_links":{"self":[{"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/posts\/12327","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/comments?post=12327"}],"version-history":[{"count":3,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/posts\/12327\/revisions"}],"predecessor-version":[{"id":12334,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/posts\/12327\/revisions\/12334"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/media\/12358"}],"wp:attachment":[{"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/media?parent=12327"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/categories?post=12327"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lifehappens.org\/wp-json\/wp\/v2\/tags?post=12327"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}