Why Life Insurance Doesn’t Have to Be Scary or Confusing
mother father and child in kitchen cooking together

We’re thrilled to have partnered with Baby Chick, the highly esteemed digital media brand and pregnancy to parenthood resource. This article, written by The Baby Chick® herself, Nina Spears, clears up common life insurance misconceptions and reminds us how important (and how easy) it is to protect our families with a life insurance policy. 

Why Life Insurance Doesn’t Have to Be Scary or Confusing


Life insurance isn’t a sexy topic. It is a topic that can cause many people to feel uncomfortable, overwhelmed, and confused. These feelings are understandable. Who wants to think about dying and leaving a family behind? No one!

Unfortunately, we live in a world where accidents are the leading cause of death in people under age 44. And while we can’t control how long we will live or when we will die, we can control how well our family is protected if the worst were to happen. Our friends at Quility are making it simple for us to do so! 

Life insurance should fit your family and your lifestyle’s unique needs and circumstances. But getting the right coverage doesn’t have to be scary or confusing. Quility is a simple, affordable, and convenient way to get life insurance that fits your life circumstances. 

We want to share with you why we love the way Quility is making getting life insurance more accessible to busy moms and their families. But first, let’s dispel some common life insurance myths and focus more on the facts of why getting life insurance shouldn’t be put off any longer! 

It is too expensive.

Believe it or not, life insurance is not as expensive as most people think! While rates will depend on factors like age, health, coverage amount, and the type of insurance, most monthly premiums are as low as or starting at $18 per month. 

I’m young and don’t need it.

Please don’t believe this myth! Getting life insurance when you’re young and healthy is the best time to purchase a policy as the premiums will be lower. Additionally, when you consider your debts and final expenses (like funeral costs), a life insurance policy will help to remove those financial burdens from the shoulders of the loved ones you left behind. 

I’m a SAHM, so I don’t have an income to replace.

You may not make a paycheck for all the hard work you do, but as a stay-at-home-mom, you contribute a great deal to your family. Have you seen how expensive full-time childcare is these days? If you were to pass away, how would your spouse continue to work without paying for childcare? A life insurance death benefit can help pay for these costs. 

It’s too complicated.

It doesn’t have to be! Quility makes the process of purchasing life insurance that fits your unique needs easy, simple, and convenient. You can complete the step-by-step, guided process online in mere minutes. No medical exam necessary! But if you have further questions, knowledgeable, friendly, and licensed Quility agents are ready and waiting to answer your questions. 

I have a policy through my job. I don’t need more.

Having a policy with your company is an amazing benefit! But, in most cases, the death benefit provided by company policies is not enough to fit a family’s needs. It’s suggested that families have a policy that is 10x their salary. Further, if you were to lose or leave that job, you can’t take the company policy with you. Having personal life insurance coverage will provide the financial security your family needs, no matter your job circumstances. 

Life insurance shouldn’t be scary or confusing.

Quility started with a mission to make life insurance accessible, affordable, and customized for everyone. Quility is a modern approach to the traditional process of shopping for – and purchasing – life insurance. It is an excellent solution for modern moms on the go who don’t have the time or patience to embark on a long, drawn-out quest for the perfect life insurance product. 

While Quility makes getting quality life insurance convenient, simple, and affordable, we understand that life insurance can be overwhelming and confusing for many people.

Let’s break down what you need to know about life insurance and why Quility can take the stress and hassle out of getting yourself (and your family) the coverage you need. 

What is life insurance?

Life insurance is a financial tool everyone should utilize to provide their family with financial protection in case they were to die. A life insurance policy is a binding contract between you, the policyholder, and the insurance company to pay an agreed-upon lump sum to your beneficiary (or beneficiaries) if you were to die while the policy is active. The money your beneficiary receives is called a death benefit and is (in most cases) tax-free. 

How does it work?

The first step in getting yourself set up with a life insurance policy is to fill out an application. Quility makes this process simple, easy, and convenient!

For example, the Quility Level Term application can be completed online in less than ten minutes. After filling out some basic personal information, you will receive instant approval and an estimated quote.

Unlike many other insurance companies, most people will qualify for a Quility Level Term policy without a medical exam. Once the application is completed, your policy will be delivered straight to your inbox! 

Once you’ve secured your life insurance policy, you will continue to pay the monthly premium for as long as you want the policy to remain active. If you were to die while the policy remains active, your beneficiary would file a death claim with the insurance provider to receive the death benefit.

In most circumstances, most death claims are quickly paid out to your beneficiary or beneficiaries. (You can name more than one person as a policy beneficiary.) 

What is term life insurance?

Quility offers many different types of insurance, making its products uniquely customizable to your family’s needs. Term life insurance is one of the most sought after and generally the most affordable types of life insurance. It provides coverage for a specific period, typically 10-30 years. If you die when the policy is in effect, your beneficiary will receive the death benefit. If you reach the end of your term, you have the option of extending your coverage or converting it to a permanent life insurance policy. 

Who should get life insurance?

Almost everyone! If you have a spouse or dependents, if you own a small business or have a mortgage, if someone has co-signed a loan with you (they will be responsible for paying off that debt), even aging parents could be considered a dependent — you need life insurance.

The simplest way to think about it is to consider life insurance as a gift you’re giving your family. Would they be financially prepared to cover all the bills, childcare, and household expenses if you weren’t around? Can they pay for the cost of a funeral or burial, which can cost upwards of $10,000? Having life insurance coverage gives you and your family peace of mind that if the worst were to happen, they would be okay financially. 

How much life insurance do you need?

Life insurance can be as unique as you are, and it should be. There is no one-size-fits-all insurance policy; your policy should match the circumstances of your life and family.

When determining how much coverage to get, ask yourself these questions: 

  • How much do you contribute to your household income?
  • Do you want to provide your children with a college fund
  • Would your family be financially prepared to cover funeral expenses?
  • How much debt do you have? 

If you need help determining the amount of coverage you need, Quility has agents available to answer any of your questions! 

The perfect time to get life insurance doesn’t exist. The easiest way does with Quility.

But how? Quility offers busy moms and their families the perfect solution for securing life insurance coverage directly from their phone, with an instant decision and completely digital process. Quicker than changing your kid’s diaper!

This budget-friendly coverage is easily customizable to fit your needs. Getting yourself set up with a life insurance policy will give yourself and your family financial security and peace of mind that, no matter what happens, they will be okay. A gift like that is priceless!

This article was originally posted by THE BABY CHICK®.
Find the article here!

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Brook van der Linde
Contributing Writer and Content Specialist
Brook van der Linde is a contributing writer and content specialist for Quility. She provides lifestyle articles and insurance information via Quility’s online magazine. Her industry and leadership-focused content can be accessed via LinkedIn.