Tag: life insurance policies

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!

When you think about life insurance, it’s probably not something you associate with your 20s or 30s. Most people imagine life insurance as something you deal with later, maybe when you’re married, have kids, or are nearing retirement. But here’s the thing: waiting until “later” could cost you more than you realize.

If you’re a millennial, life insurance might not be on your radar yet, but it absolutely should be. Here’s why.

It’s Cheaper When You’re Younger

Life insurance rates are largely based on age and health. The younger and healthier you are, the lower your premiums will be. That means locking in a policy now could save you hundreds, if not thousands, over the years.

Think of it like this: you’ll be getting those “young and healthy” rates. Waiting a few years might not seem like a big deal, but as we age, life happens — health issues can arise, and rates can go up.

You’re Probably Healthier Now

Life insurance companies look at your health history when deciding your rates. If you’re in good shape now, you’ll likely get a better deal. While none of us can predict the future, it’s safe to say that taking action while you’re healthy gives you an edge.

Plus, some policies even offer living benefits, meaning you can access your coverage if you face a serious health issue later. It’s not just about protecting others; it’s about protecting yourself, too.

It’s Not Just for Parents or Married People

Sure, life insurance is a no-brainer if you’re married or have kids. But even if you’re single or don’t have dependents, life insurance still has value.

Do you have student loans with a co-signer? What about credit card debt? Life insurance can ensure your loved ones aren’t left to pick up the financial pieces if something happens to you. And if you have dreams of leaving a legacy — like donating to a charity or supporting a cause you care about — life insurance can help make that happen.

It’s an Investment in Your Future

Certain life insurance policies, like whole life insurance, may offer a cash value component. This means you can build savings over time that you can borrow against or use in emergencies. It’s like creating a financial safety net for yourself while still providing protection for your loved ones.

For millennials, this dual-purpose option can be a smart way to combine financial planning with peace of mind.

Life Happens Fast

One thing we’ve learned over the last few years is how unpredictable life can be. Getting life insurance now is a way to prepare for the unexpected. It’s not about being pessimistic; it’s about being proactive.

Let’s Get You Started  

Ready to take control of your financial future? At Avalue Insurance, we specialize in helping millennials find life insurance policies that fit their needs and budgets. Whether you’re new to life insurance or just want to explore your options, we’re here to guide you every step of the way.

Contact Avalue Insurance today to schedule a consultation, and learn how life insurance can be a smart and affordable investment in your future. Give us a call at 303-773-3332, info@avalueinsurance.com, or request a quote right here online. Don’t wait — your future self will thank you!