Why Parents Should Get A Life Insurance

Bonjour lecteurs! After all the thrills of Christmas, I am off today to talk about some serious topic. Indeed, as soon as we bought our house, we also decided to invest in our future, and we got life insurance with our bank as we signed our mortgage. Why Parents Should Get a Life Insurance? Do you have one yourself? Well, let me tell you why you should consider one in 2022.

Your Future

You don’t know what your future will bring. You might be in a good phase of your life with succés and health now.

But it can be quick to change. We have seen some drastic shifts over the last two years or so.

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Personnellement, I consider myself healthy, but I am not getting any younger and life is unpredictable.

Many insurance policies are available depending on your needs or your budget.

Protect Your Family

As soon as we had Stanley, Grumpy Boyfriend and I decided to invest in life insurance.

Simply to protect my other half but also my son. As he depends on us financially.

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It is good to know you have a plan in place to protect your family and your loved ones if you were to go suddenly.

This is particularly important if you are a parent with small children or if one of you relies beaucoup on the other’s income. Plus, it’s so easy to find the right one for you! Nowadays, you can eve earn about permanent and term life insurance for seniors online!

Covering The Basic Expenses

There are many types of life insurance out there. But it is safe to say you should go for an option that can help your family to cover the basic expenses may you not be there anymore.

Consider also how long you want to be covered. It depends on your budget bien sûr,

Calculate what your partner and children need as a minimum to be looked after.

A bonne idée would be to take a policy for 10 times your annual salary so that you can have your mind at peace.

Paying Off The Mortgage

We decided to opt for one so that our mortgage will be covered may Grumpy Boyfriend or I would suddenly go.

The money received can be used to repay the debt so that your family doesn’t have to worry about it if half your income disappears.

The total depends on how big your mortgage is and how much left you have to pay off.

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I am so happy we went for this option. We have a pretty big mortgage and there is no way I would be able to cover it on my own as I am self-employed and my income varies so much each month.

I would say such life insurance would be a minimum, but you can even invest more.

Cover Potential Funeral Costs

Some policies also give you the possibilité to include funeral costs. Less stress for your famille!

Plus, we don’t realise it, but funeral costs can end up being very expensive.

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The last thing you want is for your death to add extra financial pressure to your loved ones’ grief.

There will already be a lot to process, both emotionally and financially.

Not Worrying About Your Children

Personally, I made the decision to take life insurance because I want my son’s future to be as safe as possible.

I want him to be fully covered financially until he is old enough to support himself.

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So may I not be there, I want to know at the back of my mind he will be covered. and start his adult life in the best conditions possible.

I think it’s the minimum I should do for him. After all, as his parent, I am responsible to provide for him and I don’t think it should cease if I was to die.

What are your thoughts on this?

Have you invested in life insurance yourself? Is that a choice you mainly made to provide for your family? What does your insurance cover?


Disclosure: This is a post in collaboration with HSBC.


    February 4, 2022 / 12:45 pm

    I have now known two young couples in their 20’s where one partner has died and left the other with a mortgage and kids and no insurance to cope, both lost their homes, it is vital once you have dependants to make sure they are ok if , god forbid, anything happens

    • Cecile Blaireau
      February 4, 2022 / 1:20 pm

      yes, absolutely. If Grumpy were to go I would not be able to pay the mortgage on my own.

  2. Dragonfly63
    February 4, 2022 / 1:32 pm

    Get covered financially and have all the check ups offered. It has happened to me three times now (previous partner had a fatal heart attack at 37, I had bowel cancer and my husband has just been diagnosed with advanced prostate cancer). Don’t think it won’t happen to you.

  3. Clare W
    February 4, 2022 / 1:36 pm

    Good advice

  4. Boobearinky
    February 4, 2022 / 2:39 pm


  5. Linda Jones
    February 4, 2022 / 3:35 pm

    Always a good idea to have things in place, no one knows what the future will bring

  6. ashleigh allan
    February 4, 2022 / 3:57 pm

    Very important!

  7. Jane Blake
    February 4, 2022 / 5:17 pm

    I also took out a prepaid funeral after I lost my husband, don’t want my children to have all that to deal with, so hard when you lose someone close

  8. Margaret Clarkson
    February 4, 2022 / 5:21 pm

    Thank you for this article

  9. Priscilla Stubbs
    February 4, 2022 / 5:28 pm

    I think it is very important for parents to have life insurance, you just never know what the future might bring

  10. Samantha phillips
    February 4, 2022 / 10:24 pm

    Awesome blog thank you

  11. Barbara
    February 5, 2022 / 5:30 am

    Thanks for this. Agreed, it might turn out to be one of the most valuable things you ever did for your child.

  12. Margaret Gallagher
    February 5, 2022 / 9:32 am

    Always best to be prepared

  13. Sally Collingwood
    February 5, 2022 / 10:35 am

    We have been talking about life insurance and not sure about it because we have enough in savings to pay for two funerals and if you live a long time could pay more in than you get out.

  14. Natalie Burgess
    February 5, 2022 / 10:50 am

    Fantastic post. I think we take life for granted sometimes xx

  15. Samantha Osborne
    February 5, 2022 / 6:05 pm

    Good advice thanks hun x

  16. A.E. ADKINS
    February 5, 2022 / 11:19 pm

    Such sensible advice, most people tend to not think about these things or assume it will never happen to them.

  17. Patricia Avery
    February 5, 2022 / 11:30 pm

    When you are starting on the property ladder and budget is tight it is so easy to ignore the importance of insurance. Getting the mortgage covered if anything happens is crucial then as things ease financially investigate the benefits to you and yours of other insurances to give you peace of mind.

    February 6, 2022 / 4:50 am

    its common sense, for a few quid a month, it could save you thousands in the long run and would give your kids and partner that security

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