No one likes to think about life without them, but preparing for the unexpected is one of the most loving things you can do for your family. Life insurance ensures that your loved ones are financially secure even when you’re no longer there to provide. It’s about more than just money—it’s about peace of mind.
Why Life Insurance Matters
Life insurance isn’t just for income replacement. It covers expenses like funeral costs, outstanding debts, and even your children’s education. It allows your family to maintain their lifestyle and focus on healing without the added stress of financial worries.
Types of Life Insurance
- Term Life Insurance – Affordable coverage for a set period (10, 20, or 30 years). It’s straightforward and budget-friendly, perfect for parents wanting to secure their family’s future during the most financially vulnerable years.
- Whole Life Insurance – Offers lifelong coverage and builds cash value. It’s generally more expensive but can be a useful financial tool for estate planning.
- Universal Life Insurance – A flexible option that combines a death benefit with savings. It allows you to adjust premiums and coverage as your needs change.
How Much Coverage Do You Need?
A good rule of thumb is 10–12 times your annual income. This provides enough to cover expenses like mortgage payments, daily living costs, and your children’s education. Use a life insurance calculator to determine what’s right for your family.
Choosing the Right Policy
Choosing a life insurance policy is a deeply personal decision. Consider your family's needs, your budget, and how long you want coverage. For guidance on the best life insurance options, visit this trusted resource from Ramsey Solutions.
Securing Their Future, Leaving a Legacy
Life insurance is an act of love. It ensures that your family’s dreams don’t die with you. It’s about giving them the stability they need to grieve, heal, and continue living.
At Jurni, we're working to bring themes of grief, healing, and hope to life through an animated short film inspired by our story. If you’d like to support this project, please visit our Kickstarter campaign or learn more on the Jurni website. Together, we can create something meaningful for families navigating their own journeys.