When you become a parent, you start thinking differently. Suddenly, every decision feels bigger.
What used to be about you becomes about them. It’s a strange mix of love and fear that pushes you to do things you never thought about before. For me, that thing was life insurance.
Realising what’s at stake
Before having children, I didn’t give much thought to what would happen “if”. I was young, healthy and focused on the here and now. Planning for the “what ifs” and worst case scenarios felt unnecessary.
Then I became a parent and everything shifted. I found myself worrying about things I’d never thought about before.
What if I wasn’t there to help with homework or see their first day at school? What if something happened and my partner had to handle everything alone? Those thoughts kept me awake at nightmore than I’d like to admit.
The uncomfortable conversation
Talking about life insurance felt awkward at first. No one wants to picture something bad happening. But the more I thought about it, the more I realised that avoiding the conversation didn’t make the risk go away. If anything, it made me feel unprepared.
Life insurance wasn’t about me anymore. It was about making sure my family would be okay even if I couldn’t be there. That thought made the decision a lot simpler.
A sense of calm
Once my policy was in place, something shifted.
I stopped playing out endless “what if” scenarios in my head because I know my family will have the money they need, if the worst happened to me.
Why more parents are rethinking it
Parenthood changes your priorities. You start planning for school uniforms, family holidays and paying more attention to savings. But one of the smartest financial decisions a parent can make is the one that protects everything else.
Life insurance is not about expecting the worst. It’s about ensuring that the people you love most are protected no matter what life brings.
