Why It Matters More Than You Think
Being your own boss comes with plenty of perks — flexibility, freedom, and the satisfaction of building something on your own terms. But it also means you don’t have the safety net that comes with a traditional job. No employer-sponsored health insurance, no retirement match, and definitely no life insurance policy quietly tucked into your benefits package.
Of all the potential employment benefits, life insurance is one that is commonly under-rated. And when you’re a solo business owner who’s hustling to pay bills, land clients, and keep your business growing, life insurance is easy to overlook. But despite its lack-luster reputation, life insurance is one of the smartest moves you can make as a freelancer or business owner.
Why Freelancers Need Life Insurance
When you work a traditional 9-to-5, employers often provide group life insurance as part of the benefits package. It’s not always much, but it’s something. Freelancers, on the other hand, have to create their own benefits safety net from scratch.
Here’s the thing: your income may look different from month to month, but your family’s needs don’t change. Rent or mortgage payments, groceries, childcare, medical bills — those expenses keep coming no matter what. A life insurance policy ensures that, if something were to happen to you, your loved ones wouldn’t be left scrambling to cover costs or replace your income.
It’s Not Just for Families
Even if you don’t have kids or a spouse, life insurance can still make sense. Do you have student loans with a cosigner? A mortgage you share with a partner? Business debt tied to your name? Without coverage, those obligations could fall on the shoulders of family or friends. Life insurance provides a way to make sure your responsibilities are handled, no matter what.
Budget-Friendly Options Exist
One of the biggest myths about life insurance is that it’s expensive. The truth? For many freelancers in their 20s, 30s, or even 40s, term life insurance can cost less than your monthly streaming services. Plus, the younger and healthier you are, the more affordable your rates will be.
Think of It as Part of Your Business Plan
As a freelancer, you already know how important it is to plan ahead, whether that’s tracking expenses, paying quarterly taxes, or setting aside money for slower months. Life insurance is just another way to build stability into an unpredictable lifestyle. It’s not only about protecting your family today; it’s about giving yourself the freedom to grow your business knowing you’ve covered the “what ifs.”
Start Protecting Your Future
If you’re a freelancer or gig worker, don’t wait until life feels “more stable” to start thinking about life insurance. The best time to put coverage in place is now, while it’s affordable and accessible.
At Avalue Insurance, we specialize in helping people like you find life insurance that fits your lifestyle, your budget, and your goals. Let’s make sure your hustle today builds a secure tomorrow.
Get in touch with Avalue Insurance today and take the first step toward peace of mind. Give us a call at 303-773-3332, shoot us an email at info@avalueinsurance.com, or request a consultation right here online!
