"I Don’t Have Kids or a Mortgage, So Why the Heck Do I Need Life Insurance?"
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Myth #1: "No Dependents = No Need for Life Insurance"
Okay, let’s bust this myth wide open. Sure, life insurance is often marketed to parents and partners, but let’s get real: your financial responsibilities don’t vanish just because you’re flying solo. Who’s going to cover your funeral costs? (Pro tip: Funerals can cost upwards of $10,000. Yikes.)
And if you’ve got any debts with a co-signer—student loans, car payments, or that business loan you took out for your “genius” alpaca farm idea—guess who’s stuck footing the bill when you’re not around? That’s right: Mom, Dad, or your financially clueless college buddy who thought signing that dotted line was no big deal.
Myth #2: "I’ll Just Get Life Insurance Later"
Ah, the classic “Future Me will handle it” logic. Let’s be honest: Future You is already drowning in unfulfilled New Year’s resolutions and that one box of stuff you promised to organize in 2017. Plus, life insurance is way cheaper when you’re young and healthy. Lock it in now, and Future You might actually high-five you for once.
Myth #3: "I’m Not Rich, So There’s Nothing to Protect"
False. Even if your net worth is just a collection of half-used gift cards, you probably have something worth protecting. Maybe it’s your growing investment portfolio, your side hustle, or even that vintage vinyl collection your friends always “borrow” from. And let’s not forget: if you’ve got a partner or loved one who relies on your shared Netflix password, they’re going to miss you… and your contributions to the streaming account.
So, What’s the Deal?
life insurance isn’t about you (hate to break it to you). It’s about making sure your financial loose ends are tied up so no one else has to stress over them. It’s peace of mind—and let’s be honest, you can’t put a price tag on peace of mind. Except, oh wait, you can… and it’s surprisingly affordable.
At Protectio, we’ve got tools to help you figure out exactly what kind of coverage you need (hint: it’s probably less than you think). So stop procrastinating and start planning. Because even if you don’t have dependents, you’ve got a life worth protecting—and a legacy worth leaving behind.
Let’s face it: you’re worth it. And so is your succulent collection.
