However you convince your spouse to agree, get him to agree. Use this time to renew your relationship and love. Start dreaming about where you and he want to be in 20 years from now. Then discuss how life insurance will guarantee that at least one of you will live the dream for both of you.

A Warning to Women About Life Insurance – Your Husband is in No Rush to Buy!

Attention married women. I write this article to convince you that if you do not find a way to convince your husband to purchase life insurance, you may be waiting a long time before he wants to buy it. The odds are that when he is ready, it will be extremely costly because he will have been told by someone in the medical profession he has some type of condition which will finally convince him that he is not immortal. Either the medical condition or his age will make the premium much higher than it would be if he simply purchases the coverage now.

A colleague in the industry that has sold life insurance for 33 years has shared a few real life experiences in the insurance business. 70 per cent of her clients are women with an average age of 42. If you ask any life insurance agent what per cent of their clients are women, I would be willing to bet most have the same ratio of men to women. Men simply refuse to think about their mortality. I can think of no other reason why men have such a difficult time discussing the topic of life insurance.

One sad man she spoke with many years ago was age 27 with 5 children. He not only was disinterested in life insurance because “the government would take care of his children”; but said no one could stop him from working, so he had no need for disability insurance.
To make a long story short, three months after she tried to set the appointment, he was injured in an auto accident which prevented him from working for two years. When he finally returned to work, he needed two jobs to recoup all of his losses. Shortly thereafter, he was killed in another auto accident while working his second job.
I am certain any women reading the above feels her heart going out to the wife and children of this man and how they must have suffered. Read those words to your husband and his first thoughts are more likely to be “Don’t worry, that will never happen to me”.
So, the question becomes “how do you convince your husband he needs some (or more) life insurance.

Here are a few suggestions which may help.

Do not nag or insist, but your husband will probably think you want him dead. He will say it as a joke, but it will be what he is thinking. ??Discover what motivates your husband. I am not talking sex, but then again, if it works!??? Would discussing his love for you and your children motivate him? Some are motivated by greed so discuss how whole life will force money aside for the future.

Tell him you made a “tentative” appointment with a life insurance agent on a night you know he will be home. ??When all else fails, do all of the research by yourself. Meet with a life insurance professional and discuss your options. You only need your husband to be available for a physical at your home and to sign the paper work agreeing to be insured. The physical will not be on the night you meet with the agent.

However you convince your spouse to agree, get him to agree. Use this time to renew your relationship and love. Start dreaming about where you and he want to be in 20 years from now. Then discuss how life insurance will guarantee that at least one of you will live the dream for both of you.