{"id":1365,"date":"2018-04-03T07:00:22","date_gmt":"2018-04-03T11:00:22","guid":{"rendered":"https:\/\/lifehappens.org\/?p=1365"},"modified":"2022-05-20T10:25:28","modified_gmt":"2022-05-20T14:25:28","slug":"799182-reasons-to-buy-life-insurance","status":"publish","type":"post","link":"https:\/\/lifehappens.org\/blog\/799182-reasons-to-buy-life-insurance\/","title":{"rendered":"799,182 Reasons to Buy Life Insurance"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_row _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221;][et_pb_text _builder_version=&#8221;4.17.3&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; theme_builder_area=&#8221;post_content&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>A generation ago, unexpected loss of a loved one could be seen as an isolated situation. But today, a quick search of <a href=\"https:\/\/www.gofundme.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">GoFundMe<\/a> delivers a difficult reality check. Simply type \u201cfunerals\u201d into the search field, and behold\u2014799,182 results (on this particular day). Almost 800,000 tales of the sudden loss of a loved one, compounded by an acute financial crisis.<\/p>\n<p>Scrolling through the many names and faces of tragedy can be tough. And yet it allows us to see the cost of putting off buying <a href=\"http:\/\/www.lifehappens.org\/insurance-overview\/life-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">life insurance<\/a> in a whole new way. The truth is, life can be breathtakingly uncertain, but the financial impact of a sudden, unexpected loss doesn\u2019t have to be. With life insurance, you can know\u2014without the shadow of a doubt\u2014that if you or your spouse or partner died unexpectedly, your family would be financially secure. And you can know that for less than a $1 a day.<\/p>\n<h2>The Pros and Cons of Crowdsourcing<\/h2>\n<p>GoFundMe and other crowdfunding sites are fabulous for stretch goals, for helping people get back on their feet after a setback, and for inspirational charity projects. These modern tools let regular people pool needed capital easily and safely by collecting small donations from large numbers of people and sharing your story far and wide on social media.<\/p>\n<p>But if tragedy befalls, which would you prefer?\u00a0<\/p>\n<p>Panicked online fundraising by your grieving family, or a time-tested financial tool that delivers funds immediately to your beneficiaries in a cash lump sum?<\/p>\n<p>An uncertain amount of money, reduced by service fees and taxes, or a predetermined tax-free payment that covers\u00a0all costs with certainty, allowing your loved ones to focus on other things?<\/p>\n<h2>Choose the Best Scenario for Your Family, Today<\/h2>\n<p>Which model would you choose for your family during a time of intense stress? As it turns out, the time to choose is actually <em>now, <\/em>when tragedy is the furthest thing from everyone\u2019s minds.<\/p>\n<p>You can choose to put a financial buffer in place today, so that your loved ones will never have to fend for themselves after an unexpected loss. And you can make this choice for less than the price of a daily coffee.<\/p>\n<p>As a point of reference, if you\u2019re a healthy 30-year-old who doesn\u2019t smoke, you can get a 20-year, $250,000 level term life insurance policy for about $16 a month. As you age and your health changes, the premium to get a life insurance policy increases, so it makes sense to buy coverage\u2014and lock in the low price\u2014when you are young and healthy.<\/p>\n<p>The truth is, crowdfunding only goes so far. Instead of hoping a crowdfunding site will be there if tragedy strikes someday, you can <a href=\"http:\/\/www.lifehappens.org\/find-insurance-coverage\/\" target=\"_blank\" rel=\"noopener noreferrer\">research coverage options for you and your family, right now<\/a>.<\/p>\n<p>A minimum of hassle today can ensure your loved ones will never have to shoulder the terrible double burden of both personal and financial loss\u2014and that they\u2019ll never have to set up the crowdfunding page no one ever wants to build.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A generation ago, unexpected loss of a loved one could be seen as an isolated situation. But today, a quick search of GoFundMe delivers a difficult reality check. Simply type \u201cfunerals\u201d into the search field, and behold\u2014799,182 results (on this particular day). Almost 800,000 tales of the sudden loss of a loved one, compounded by [&hellip;]<\/p>\n","protected":false},"author":16,"featured_media":1367,"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":"2880","footnotes":""},"categories":[4],"tags":[173,174,176,175,14],"class_list":["post-1365","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-life-insurance","tag-crowd-funding","tag-crowdfunding","tag-funerals","tag-go-fund-me","tag-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>799,182 Reasons to Buy Life Insurance &#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\/799182-reasons-to-buy-life-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"799,182 Reasons to Buy Life Insurance\" \/>\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\/799182-reasons-to-buy-life-insurance\/\" \/>\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=\"2018-04-03T11:00:22+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-05-20T14:25:28+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/lifehappens.org\/wp-content\/uploads\/2019\/12\/woman-looking-up-from-a-crowd.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"700\" \/>\n\t<meta property=\"og:image:height\" content=\"499\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Erica Oh Nataren\" \/>\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=\"Erica Oh Nataren\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/lifehappens.org\/blog\/799182-reasons-to-buy-life-insurance\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/lifehappens.org\/blog\/799182-reasons-to-buy-life-insurance\/\"},\"author\":{\"name\":\"Erica Oh Nataren\",\"@id\":\"https:\/\/lifehappens.org\/#\/schema\/person\/a7b4a37ba662ace311b29c8aaf75d0ad\"},\"headline\":\"799,182 Reasons to Buy Life Insurance\",\"datePublished\":\"2018-04-03T11:00:22+00:00\",\"dateModified\":\"2022-05-20T14:25:28+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/lifehappens.org\/blog\/799182-reasons-to-buy-life-insurance\/\"},\"wordCount\":578,\"publisher\":{\"@id\":\"https:\/\/lifehappens.org\/#organization\"},\"image\":{\"@id\":\"https:\/\/lifehappens.org\/blog\/799182-reasons-to-buy-life-insurance\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/lifehappens.org\/wp-content\/uploads\/2019\/12\/woman-looking-up-from-a-crowd.jpg\",\"keywords\":[\"crowd funding\",\"crowdfunding\",\"funerals\",\"Go Fund Me\",\"life insurance\"],\"articleSection\":[\"Life Insurance\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/lifehappens.org\/blog\/799182-reasons-to-buy-life-insurance\/\",\"url\":\"https:\/\/lifehappens.org\/blog\/799182-reasons-to-buy-life-insurance\/\",\"name\":\"799,182 Reasons to Buy Life Insurance &#8211; 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