Read this if you DON'T have life insurance

Hey. It's Jen.

Twenty years ago today, my dad died. I was 16.

He left my mother nothing. No life insurance. No plan. Just a mortgage she couldn't afford on her own and a teenager heading off to college.

She struggled. She was vulnerable to every predatory mortgage product out there. And in 2006, there were A LOT of them.

She took out a cash-out refinance that eventually led to her losing our family home.

And I believe strongly if my dad had term life insurance, everything could have been different.

It's Never Been Easier to Protect Your Family

Twenty years ago, we didn't have the technology we have today. Getting term life insurance meant sitting down with an agent, scheduling medical exams, and waiting weeks for approval.

Today, you can get approved for coverage in minutes from your phone.

No agent. No exam for most policies. And it's more affordable than ever.

Experts recommend 10 to 12 times your annual income for a 20-year term policy. So If you make $50,000/year, that's $500,000 to $600,000 in coverage.

For a healthy 35-year-old: $500,000 in coverage costs about $25-$28/month.

That's less than most people spend on streaming services! And it could mean the difference between your family keeping their home or losing everything.

Two Companies We Trust

I use Ethos Life for my term life insurance. Jill uses Ladder Life.

Both offer:

✅ No medical exam for most policies (up to $3 million)
✅ Approval in minutes through a fully online application
✅ Affordable rates because there are no agent commissions
✅ Coverage from $100,000 to $8 million

It’s important to get quotes from multiple companies to compare rates and coverage. When I applied at Ladder I was denied but Ethos approved me. And each has features that make them uniquely attractive.

Ethos Life offers whole and permanent policies in addition to term and (my favorite) includes a legal will AND trust with all policies which is a $898 value.

Ladder Life offers flexible "laddering" meaning you can adjust your coverage as needs change, a feature I’ve never seen anywhere else (unless you want to pay an arm and a leg for it.)

Like I said, we recommend getting quotes from both and choosing whichever offers you the best rate for your situation.

Why You Need to Act NOW

1. There's a 2-year contestability period. If you die within the first two years of getting a policy, the insurance company can investigate the claim and potentially not pay out. This means you need to get coverage now, not when you think you might need it.

2. The earlier you get it, the more affordable it is. Rates increase significantly with age. A 30-year-old pays about $19/month for $500,000. A 40-year-old pays $28/month. A 50-year-old pays $69/month for the same coverage.

Every year you wait costs you more money and puts your family at greater risk.

I think about what my mom went through. The stress. The shame. The fear of losing everything.

It didn't have to be that way.

If you have people who depend on your income, please don't wait. Get a quote today. It takes 10 minutes and could change everything for your family.

💗 Jen

P.S. If you're thinking "I'll do this later," I need you to hear me: later might be too late. My dad didn't plan to die at 54. No one does. Protect your family now.

**Means this is a sponsored or affiliate section. We may earn a small fee or commission when you choose to try one of our sponsor or affiliate partners. But opinions are still 1000% our own.