What Is Life Insurance?
Life insurance is one of the simplest ways to protect the people you love if something happens to you. It pays out a lump sum to your family, and that money can help cover funeral expenses, medical bills, remaining debts, and the everyday costs of keeping life moving.
If you’re the main earner in your home, life insurance can help your family stay in the house they love, keep the lights on, and focus on healing without worrying about how to cover the bills.
Since the holidays naturally bring everyone together, this season can be a meaningful moment to talk about plans, expectations, and how you want to take care of one another. These conversations don’t have to feel heavy. When handled gently, they can offer clarity, comfort, and peace of mind.
How to Bring Up Life Insurance With Your Family
Here are a few simple, approachable ways to start the conversation:
- “We’ve been organizing some important documents. Do we all feel prepared if something unexpected were to happen?”
- “I’ve been thinking about our financial planning. Has anyone looked at their life insurance recently?”
- “If something happens to me, I want everything to be easy for you. Can we talk about what that would look like?”
- “Have we talked about who would handle certain responsibilities or expenses if one of us passed away?”
There’s no perfect script, just choose the questions that feel natural for your family. The goal isn’t to solve everything at once. It’s simply to open the door.
Talking Points to Help Guide the Discussion
Once you’re talking, these points can keep the conversation on track:
- Why coverage matters: Income replacement, paying down debt, covering funeral costs, keeping day-to-day life going
- Who depends on whom financially: Kids, partners, aging parents, or other family members
- What coverage everyone already has: Employer plans, individual policies, or older plans that may need updating
- What’s changed recently: Marriage, children, buying a home, starting a business, caring for parents
- What you want for the future: Protecting your family, paying things off, or leaving a legacy
Life insurance is a promise to your family that they won’t have to face financial stress during an already difficult time.
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As you gather around tables, fireplaces, and living rooms this holiday season, take a moment to talk about protection, planning, and peace of mind. The conversation may feel small, but its impact can last for generations.
If you’re not sure where to start, the Mulling Insurance team is here to help. We’ll walk you through your options, compare policies, and help you find the coverage that fits your family’s needs today and in the years ahead.
You can learn more about the different types of life insurance here, or contact us to chat with a Mulling Insurance team member about which option may be right for you.
Kevin Mulling, CIC| Vice President
As Vice President of Mulling Insurance, Kevin uses his decades of insurance industry experience and knowledge as a Certified Insurance Counselor (CIC) to help customers with their policies. He takes pride in leading his team and carrying forward the family business's strong commitment to community and family values.