This post was sponsored by MetLife as part of an Influencer Activation for Influence Central and all opinions expressed in my post are my own.
It’s something moms never like to think about. We convince ourselves it’s never going to happen. And that is… what will happen to my children if I die? But if we don’t think about it, we could miss a valuable opportunity to protect our children’s futures.
I’ve thought about what if my husband dies. He brings in most of our income. So naturally, we got him term life insurance to provide for our family if something happens to him.
But, I also earn money for our family with freelance writing and this blog. I know countless women with businesses selling LulaRoe, books, makeup, and hand-made goods. Freelancers don’t have access to life insurance through an employer the way other people do. That’s one reason most of us put off getting term life insurance. In fact, only about 50% of women have life insurance . With so many of us women helping provide for our families, we need life insurance as much as men.
And stay-at-home-moms… let’s not undervalue ourselves! Consider all the things we do provide for our family. If I died without life insurance, there’s a significant impact on my family, even though I’m not the primary earner.
Since I’m our kid’s childcare provider, my husband would have to pay for childcare before and after school! Childcare for a four-year-old can average $13,000 a year! And even more for infant care! 
Bereavement leave, potential relocation, and child care costs would all be added expenses for a spouse.
I have other concerns too. If I should die before I wake, here are some of my top concerns:
Who will homeschool my kids? Recently after attending several graduations, I have a clearer vision for the type of education I’d like to provide for our boys. Without me, they’ll have to go to traditional school, but…which one? We can’t afford private school now, so without extra monetary support, they will not get the kind of education we’ve envisioned.
Who will ensure they get extra curricular activities for a well-rounded education? I drive the kids to co-op, music lessons, swim lessons, and other activities – mostly during my husband’s work hours. We work on service projects and gardening adventures. Who will do that for and with them?
Who will coordinate family vacations full of wild outdoor adventures? I do all the packing and prepping, booking and schedule coordinating. It’s kind of my thing and I’m good at juggling a busy calendar.
I am blessed that my husband CAN and DOES do a lot of these things already, but… I tend to be the “creative visionary” of the family who invents a lot of our adventures.
I worry about my children’s quality of life if I am absent. While money can’t buy the intangibles of a nurturing mom, financial support after a death in the family can reduce additional strain and stress on a grieving spouse.
Maybe you haven’t gotten life insurance because it’s too painful to think about? Or maybe you’re worried about how complicated the process might be?
Fortunately, MetLife has created a simple term life insurance product that provides up to $500,000 in coverage, without an in-person medical exam or requests for fluids, like blood and urine, ever, just a handful of health questions.
- Applicants receive a yes/no decision about coverage and a quote in real-time online or by phone. MetLife Rapid Term can be a great solution for busy women to get life insurance they can depend on.
- Research shows that a primary barrier that keeps consumers from protecting their loved ones with life insurance is a medical exam .
- With MetLife Rapid Term, applicants will never be asked to complete an in-person medical exam or submit fluids, like blood or urine, ever; the application just asks a handful of health questions, which can be completed online.
And what will you get? MetLife Rapid Term Life insurance is similar to what you could get through an employer. You can get coverage up to $500,000 for various terms.
Getting a free quote is so easy! I don’t love to be on the phone, so I got a free quote online. I had my quote in less than five minutes, and I spent a little time playing around with the length and amount of coverage to see different options.
It really is that easy. Just hop online (or call) and enter a little bit of information! Then decide… Getting term life insurance now can help you secure the future of your children.
For more information on the full terms, conditions and limitations about the MetLife Rapid Term product, I encourage you to look at MetLife’s MetLife Rapid Term website.
 LIMRA Life Insurance Ownership in Focus, U.S. Person-Level Trends: 2016
 Child Care Aware® of America, Parents and the High Cost of Child Care: 2016
 2017 LIMRA Insurance Barometer Study