How to Talk to Your Family About Life Insurance

Uncertainties are a big part of life because you’ll never know what’s going to happen in the future. One moment, someone you know is full of life and energy, but the next moment, that person’s passing could happen when you least expect it. That’s why it’s important to have some preparations in place early on to make sure that you or your loved ones are insured.


When it comes to life beliefs, you can have any of these two—you either believe in planning for your future or you don’t. However, bringing the discussion about life insurance into the open is the more practical option since it’s the one thing you can have full control over, and therefore, should take advantage of.


Here are some tips on how to talk to your family about life insurance. These are applicable when you’re either sharing your end-of-life plans with your family or when you’re encouraging any of your family members to consider getting their life insurance.

  1. Initiate the discussion. You may find that this is a challenging part since not everyone in your family might be comfortable talking about the death of a loved one. However, you need to make it clear that you’re doing this because it’s your responsibility to set things in order while there’s still time. And although anything about death is a serious topic, you could at least try to make the discussion as relaxed as possible.
  2. Consider who you’re talking to. When your loved ones don’t have life insurance and who refuse to talk about emergency preparations, it might be necessary to insist on talking. You only need to determine the best approach for the person in front of you.
  • If it’s your spouse who isn’t keen on talking about it, you can focus the discussion on the fact that both of you are responsible for your family’s finances. Since building a family involves going through different financial stages of life, including parenthood, you’ll want to make sure that you have a contingency plan in case something happens to anyone of you. The goal is to be able to support your children even with just one parent doing it.
  • When it comes to your own children, you can use your own situation as an example. Give them advice on the different life insurance options and tell them what you think is best based on your experience as well as based on their goals for the family they’re trying to build.
  • It’s also possible that your parents haven’t gotten themselves life insurance. You might want to help them out. Even if they no longer have someone depending on them, such as you or your siblings, it’s still important that they have life insurance to protect themselves in the event of death.
  1. Talk about end-of-life wishes. End-of-life wishes may cover everything from choosing the kind of medical care when a critical illness happens to set a financial strategy if and when the insured becomes unable to make decisions. The goal is to have a plan as to what needs to be done or who should do what to help your loved ones cope better during a crisis or due to death in the family.


Elita Torres

I have over 20 years experience as a leader, first as a General Manager for several Big Box retailers with over 100 employees, then as a district manager overseeing an average of 23 stores. Currently, I am a Sales Director overseeing 4 Districts. My passion for leadership and personal development has led me to share my journey in a Blog. Find out more on