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Talking About Life Insurance
The First Step to Protect Your Family
By Katherine Bontrager
How one speaks about life insurance depends a lot on the relationship, says Nan Andrews Amish, a management consultant, facilitator, professional speaker and business coach in El Granada, Calif. "If the relationship is a relationship of equals, then starting the discussion about a financial risk might be as simple as that," she says. "Losing the income of breadwinner or the support of a stay-at-home parent is a financial risk much greater than the risk of fire or an auto accident. There's much more at stake."
In other words, your house and car are insured, so why shouldn't you be? Granted, this conversation is more complicated than obtaining coverage for a car or home. And Andrews Amish acknowledges that the subject can get emotional.
"Putting a monetary value on a relationship seems crass, but it's about survival," Andrews Amish says. "No loving husband I know would want his wife and young child to not only deal with the death of their spouse/dad [but also] have to worry about how to pay the rent/mortgage and keep food on the table. But without life insurance, that's exactly what happens. If Mom has to get a job, then the child loses both Mom and Dad in a way. Or if Mom needs to get a second job, the child loses." And similarly, no loving mom would want Dad to work overtime to pay for childcare, Andres Amish says. "It's bad enough to have emotional pain, but to have to deal with financial shock at the same time is terrible."
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