Planning for you have life insurance?

Planning for you have life insurance?

It always amazes me when I talk to people with children that:

A) Don’t have a life insurance policy set up for the incomprehensible, even if its just basic expenses, to help plan for your childs future if they were to be left without a parent. I think its so easy to add the breadwinner, generally a husband, but leave out the wife. But in a lot of cases, including my own, if something happened to me, my kids would need during the day care, so I have a life insurance policy as well.

B) Don’t have a will stating where the kids will go if something happens to parents.

Personally, I am taken care of in both departments. I is smart like that.

Charlotte is listed on the life insurance policies of Chris and I both and our will states her custody and where she would go in the event of our (untimely!) deaths. We even have it all drawn out so if the person we listed can’t care for her, where she would go after that and after that.  Mama isn’t taken any chances.

Of course now I have to get Phoenyx added.

Here is my discussion and thoughts regarding the topic:

Remember…its very easy to think that nothing will EVER happen to you while you are young. We tend to only think of death as something for the elderly, but when you have children, you cannot be too careful in planning for their futures. We are proactive about slings, diapers, breastfeeding, pacifiers…but when it comes to the important stuff we are often too passive.

Now you join..I want to put out a little survey in the comments:

  • Do you, your spouse, or both of you have life insurance. If not, why not?
  • Do you have a will set up dictating where your kids go in case of a death of both parents? If not, is there anything holding you back from it?


 This sponsored post was inspired by Genworth Financial.  Opinions expressed are my own. For more information about the different life insurance types visit the Genworth Financial website.


  1. says

    We do have a will and we probably updated it at least 5 times throughout the years with guardian changes. I was so relieved when they both turned 18 so that I knew we were past that stage, but it’s super important to make sure that’s in place. You’re right!

    We also added the kids as secondaries on our life insurance policies when they were born, and then we appointed a financial guardian for them too.

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