Three Things People Spend More Time on Than Finding Life Insurance to Protect Their Families

Finding life insurance is easier and more affordable than people think, but we admit that it’s not the most fun thing you could be doing. That’s why people would rather watch TV, check Twitter, and go out to eat for dinner than spend time finding life insurance. But before you binge your new favorite show, why not get a free life insurance quote? Our calculator below can find coverage in seconds, and you could sign up for a policy as quickly as today.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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The thought of researching life insurance options makes many people cringe. The perception is that life insurance policies are complicated, expensive, and well, maybe not all that necessary. In fact, Life insurance is like a box of chocolates. There are many different options for you to choose from.

Fact: According to the latest Life Insurance Barometer Study by Life Happens and LIMRA, 40 percent of American households would feel the financial impact within six months of losing their family’s primary wage earner’s income.

Still, people are busy spending more time doing other things than they’re willing to spend talking with an insurance or financial planning professional about the peace of mind life insurance can give them.

You know… “important” things, like:

1. Watching Television

Can’t get enough Dancing With the Stars? You’re not alone. According to the A.C. Nielsen Company, the average American watches more than 4 hours of television each day. That adds up to a whopping two months of the year!

2. Using Social Media

Yes, Facebook cat videos, Instagram selfies, and Pinterest recipes are all the rage. But they’re robbing you of precious time. According to data from GlobalWebIndex, the average person spent 1.72 hours a day on social media in 2014.

3. Dining Out

Occasionally going to a restaurant can be good for both family bonding and your social life. But 4-5 times a week? That’s how many times the average American eats out. Lunch alone costs us $936 each year according to data from VISA.

Hmmm. And yet many people can’t seem to carve out enough time to find out more about life insurance?

Contrary to what many people believe, life insurance doesn’t have to be complicated or expensive. Term life insurance, in particular, is straightforward and affordable. Term life policies offer coverage at premiums often significantly less than those for whole life policies. Policies last for a specified “term” (period of time)—typically 10, 15, 20, 25, or 30 years. You can even get policies for a five-year, or even a one-year term. The shorter the term, the lower the premium will be. Most term life policies guarantee that your premium rate will remain the same throughout the entire term, so you don’t have to worry about price fluctuations that could affect your budget.

Term life insurance can help protect your family’s financial well-being by paying a death benefit to your beneficiaries in the event the unthinkable were to happen to you. That money could help your loved ones cover essential expenses such as:

  • Your final expenses (a.k.a. funeral costs).
  • Monthly utility bills.
  • Mortgage payments or rent.
  • Car loans.
  • College education expenses.
  • Groceries.
  • Medical bills.

And I’ll bet you can add a few others to the list!

If you didn’t think looking into life insurance was worth your time, you might see it a little differently now. The good news is it only takes a few minutes to get an idea of how much a term life policy might cost you. You can figure out approximately how much coverage you’ll need by using this online life insurance needs calculator. And you can quickly and easily get a confidential, preliminary term life insurance quote online.

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