It’s not an uncommon scene. You’re single, catching up with a friend who has been married for 5 years. They already have a spouse, a house, and 2.5 kids, and those are the 3 things they talk about…..incessantly. They bring up how they recently purchased term life insurance and recommend a company for you to deal with. If they are smart at all, that company will be dropdead (

You’re listening and nodding along, but thinking to yourself…..why would I need life insurance? After all, it seems like all life insurance ads are geared towards families. All pictures of families laughing together and sheltered under umbrellas and such. Seriously, what’s with all the bullsh$t umbrellas?! You on the other hand are way too cool for that. You love your freedom of being able to go out and not explain yourself to anybody. Stay out as late as you like, wake up in whosever bed you fancy, sleep until noon and then eat ice cream for breakfast. Hey, it’s a pretty good gig you have going.

There are however, quite a number of reasons why it may be a good idea for you to buy a term life insurance policy for yourself. Such as….

You have debts with co-signers. Do you have private student loans? You know, like from the time you decided it would be a good idea to go back to school to major in 18th century French horticulture. That didn’t quite work out like you planned, but Mom and Dad believed in their baby, and cosigned a loan for you.  If you die, they still have to cough up that cash. That goes for any co-signed debts, whether for a mortgage, a car, jointly owned credit card, etc… Don’t let your family be on the hook for those expenses.

Maybe someone else is depending on you for their future? Maybe you have aging parents or a disabled sibling who you are already helping financially?

Do you want to have kids one day? If you do, buying life insurance would be an awesome idea right now. The younger you are, the less you are going to pay for a policy. And who doesn’t love to save money?! If you do have kids, you will be patting yourself on the back for being so smart when you were younger and still paying that low rate. Because those adorable little energy suckers are expensive and you will be happy to save where you can!

Even if you’re planning on staying single your whole life, completely debt free, and never want kids, it’s still being responsible to buy a small policy that would cover your funeral and end of life expenses should you kick the bucket early. That way your family won’t be left struggling to pay for it. And you would want a really cool, Instagram worthy celebration of life ceremony, right? Make sure you leave money for that!

So, put down that avocado toast and visit Our rates are cheap, the process is easy, you have nothing to lose. Don’t wait until its too late!