5 Things News Parents Need to Know About Life Insurance


As a parent, you would likely agree that the birth of your child is one of the most memorable experiences of your life. Nine months of planning, debating over baby names, and picking nursery colors all leading up to a single moment of joy when the baby finally arrives. But then things get real, and you realize your most important job on earth is to ensure this tiny human being is cared for in the best way possible.

You’ve done everything you can to prepare – you’ve read the best books, bought the safest car seat, hoarded months’ worth of bath supplies, wipes and diapers in the garage – and swear you’ll never let your baby out of your sight until they graduate high school. But have you also thought about how to protect your family financially in the event you aren’t around?

Your new little one’s long-term financial security is up to you, which is why it’s time to consider life insurance. A life insurance policy is an essential part of your family’s financial safety net. The proceeds of a term life insurance policy can be used to help pay for a number of financial needs, such as mortgage payments, childcare, and other day-to-day living expenses. Here are a few things to know when shopping for life insurance.

Life Insurance Probably Costs Less Than You Think

One of the greatest misconceptions about life insurance is that it is too expensive, and an affordable policy is out of reach. However, across the board, term life insurance policies are much more affordable than many people realize – especially if you buy while you’re young and healthy. For example, a healthy 30-year-old woman could buy a 30-year, $750,000 Haven Term policy, issued by MassMutual, for about $36 per month.

Term life insurance is a budget-friendly way to help financially protect your growing family. It’s possible that the monthly premium for hundreds of thousands of dollars in term life insurance coverage could be around the same price as a month’s supply of diapers.

Employer-Provided Life Insurance Usually Isn’t Enough

Life insurance through your employer is a great work perk. However, if you have a spouse and children who rely on your income, employer-provided life insurance can leave you underinsured.

Many employer-provided policies offer coverage that’s only one to two times your annual income. Yet, experts recommend having coverage that’s five to 10 times your salary. Additionally, once you leave your job, employer coverage usually ends or an option to convert it might be available, but it’s at a more expensive rate.

Stay-at-Home Parents Are Very Valuable

Some might think a stay-at-home parent doesn’t need a life insurance policy because they aren’t providing financially for the family. This couldn’t be further from the truth.

While a stay-at-home parent might not be putting cash in the bank, they are definitely preventing a family from spending it. Stay-at-home parents spend their busy days watching children, taking care of the house, running errands, cooking and more. In fact, according to an annual survey from, if you add up a stay-at-home parent’s responsibilities, they would work 92 hours each week and earn about $143,102 for all the work they do.

If your spouse is the primary daily caregiver while you’re at work, could you afford to pay for comparable daycare if they were no longer around? What about a housekeeper to help with weekly chores, or a tutor to assist children with homework? While parents are irreplaceable, the proceeds of a life insurance policy can help bridge financial gaps that arise from paying for this type of support.

Ratings Matter

When it comes to choosing a car or a stroller, parents are always looking for products that have the best ratings, whether it’s for safety or popularity. Well, when shopping for life insurance, ratings should matter too.

Ratings are important within the life insurance industry because they are an indicator of the ratings agency’s opinion of the financial stability of the issuing company and its ability to meet financial obligations, like pay out claims.  When you’ve paid out your hard-earned money to put insurance protection in place for your family, the last thing you want as a parent is to worry about whether your insurance provider will be able to pay out when you need it most.

You Can Buy Quality Coverage Online

Yes, you read that right – you can buy dependable life insurance coverage online. Life insurance is an important component of a financial plan, and you shouldn’t have to move mountains to get it. That’s why Haven Life offers a simple, affordable way to apply for and, if approved, buy dependable term life insurance coverage. Even better, the Haven Term policy is issued by MassMutual, a leading life insurance company with an A++ rating from A.M. Best —  that’s the highest mark you can get from that particular rating agency*.

There are enough things to worry about as a new parent but the financial security of your family shouldn’t be one of them. Taking the time to get covered now provides the peace of mind necessary for you to focus on the day-to-day with your baby instead of the worst-case scenario. You’ve done all of your planning and you’re ready to be a great parent – now check “get life insurance” off your to-do list too.

This post is sponsored by Haven Life Insurance Agency. Haven Life is a life insurance startup, backed and wholly owned by MassMutual, that offers a simple online experience for buying high-quality and affordable coverage. Driven by a mission to make life less hard, we’re transforming the typically time-consuming and confusing process of buying life insurance into one that’s easier, faster and just plain better.

Haven Term is a Term Life Insurance Policy (ICC15DTC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 and offered exclusively through Haven Life Insurance Agency, LLC. Not all riders are available in all states. Our Agency license number in California is 0K71922 and in Arkansas, 100139527.

*MassMutual and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company are rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of March 1, 2018 and is subject to change. MassMutual has received different ratings from other rating agencies.


Image: Pixabay

from Parenting Tips and Advice at Uplifting Families


Why I Want to Live Debt-Free (& What’s in it for YOU)

To live debt-free is not as impossible as it might sound. I was once a skeptic, but now I’m a believer that we can live within our means. Here’s why I think it’s a valid pursuit. Almost eleven years ago my husband and I were convicted to stop using credit and to pay off our […]

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Weekly Meal Plan to Print & Cook #10

Weekly Meal Plan to Print & Cook #10 from Life as MomWant a fun and delicious week of dinners this week? I’ve got you covered with grilled chicken, Crockpot enchiladas, chicken caesar salad, and more good stuff. Print this weekly meal plan and get cooking! Poorman’s Chicken Caesar Salad Ready for an easy week of meals? Well, I’ve got you covered with a weekly meal plan […]

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4 Health and Safety Tips for Sports Parents

What dad isn’t happy to learn that their kid wants to participate in sports? Not only is it a great way for you guys to bond, it also provides an opportunity for your child to develop new skills, meet new people, and maintain a healthy lifestyle. Now that you’re a sports dad, you’ll need to be an integral part of their support system. For your kids to be the best athletes they can, you’ll need to make sure that they are healthy both physically and mentally. Check out these health tips below.

 Visit the Doctor

Just like pro athletes are required to get physicals and see doctors to ensure they’re fit for the game, you’ll want to make sure that your child is in the best health possible. Something as simple as an annual physical, can ensure that your child is growing at the right height and weight for their age, and more importantly that they’re healthy enough inside and out to withstand the demand of playing sports.

The doctor is also the one you turn to when there are signs of trouble. For instance, if your child is under developing physically, your doctor might provide insight around potential growth supplements and discuss facts about hgh for children to improve their growth and development. Before your child enrolls in a sport, whether required by the school or not, be sure they’ve been fully checked to ensure their health and safety.

Make Sure They Eat Right

Your little one will be very active during practices and games, and requires the right type of fuel to ensure they can withstand the increase in activity. Now, more than ever, it will be necessary to feed them foods packed with vitamins and nutrients they’ll need such as protein, carbs, and vitamin c. Not only should your kid be eating three meals per day, but they should also have healthy snacks in between. This includes game day. Instead of fueling them up on sports drinks and junk food, make sure they’re drinking plenty of water. Snack ideas might include fresh fruit, raw veggies and dip, cereal or granola bars, or perhaps some yogurt.

Focus on the Fun of It

Every parent wants their kids to win, but when you get caught up in wins or losses, it takes the fun out of the sport for your child. As no team wins all the time, it is best to just focus on the positive moments and encourage them to work harder to win the next time. “Good job! You’re getting better on the field” goes a long way in the mind of a child who really wanted a win.

The same goes for wins! You want to teach good sportsmanship and the best way to do that is to celebrate the win, but not so aggressively that the other team feels bad. Remind your child to shake the hand of the other team and compliment their efforts.

Safety First

Whether practicing at home, at school or playing on game day it is important to keep safety first. Make sure that your child is wearing safety gear appropriately and at all times. Stress the importance of paying attention and following the rules of the game to ensure no one gets hurt. It is important that your children know that although they’re having fun playing the sport, the truth is it can be dangerous if they’re not careful and alert.

Being a sports dad is a very rewarding experience. It is a great way to connect with your child on a different level. It also helps them to develop new skills and stay active. To ensure that your kid can provide the best performance on game day, it is important to make sure you’re committed to their overall health. Make sure they’re keeping up with doctor’s appointments, eating well-balanced meals and snacks, and of course wearing the correct gear for protection. Most importantly, make sure to keep the fun of the sport at the forefront of your mind so that it doesn’t become too stressful for you or your kids.

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from Parenting Tips and Advice at Uplifting Families

Being the Best Parents for Your Children Means Supporting Your Spouse

Every new, expectant, and experienced parent only wants what’s best for their children. In order to accomplish this goal, the parents must be willing to work together. This means learning how to be an effective team, to support each other through the ups and downs of raising children (and life in general), and how to encourage each other to be the very best versions of yourself. Essentially, if you want your children to have a solid foundation in life, you must learn how to create a healthy and uplifting relationship for your kids to model after.

Words of Encouragement

Whether life is pretty good or you’re presently going through a personal struggle, your words can be instrumental in showing love and support to your spouse. Statements like, “I believe in you”, “You inspire me”, and “I’m proud of you can be all it takes to encourage your spouse to be the best they can every day. They can also be the very words that help to get them out of a rut like addiction, mental illness, or the loss of a loved one.

Support Through Action

Words are great and can be just the boost your partner needs to accomplish their life goals. However, that is not the only form of support you should be showing your spouse. They also need to see your support in the form of action. If your significant other has a dream business idea, for instance, you can take action by giving them money to invest in it, pitching in with household chores while they dedicate extra hours to that dream, or offering your skills and experience to help push their idea forward. The same type of supportive action can be shown by learning more about a drug rehab in Colorado, whether an inpatient or outpatient program (or whichever location is most convenient), and providing this advice to a spouse who is struggling with addiction.


Here’s one supportive measure that many adults overlook when they’ve been together for years – self-care. Your appearance, physical, and mental health are all part of encouraging your spouse to do better daily. Remember, you are a team when one team member takes the time to care for themselves, they’re saying to their spouse that the relationship is worth being happy and healthy. Keep a clean appearance, eat right, get sleep, have a healthy social life, and stay on top of your physical and emotional well-being. When your partner sees you at your best, they will be pushed to want to emulate that in themselves.

Carry Your Own Baggage

Many adults have gone through complicated life experiences that have altered or hindered their ability to properly love or be in a healthy relationship. They carry this “emotional baggage” around with them and unknowingly toss it to their partner to hold (along with their own baggage). After a while, the weight of all the baggage leads your spouse to feel resentment or overwhelmed, reducing the amount of time and energy they have to focus on improving themselves.

Though your spouse is your helpmate, your past experiences and the emotional scarring that came from it, are yours and yours alone to carry. Deal with your past and the issues you’ve carried with you and learn how to cope with those emotions and experiences in a positive way. Seeing you emotionally healthy and actively working towards your personal problems will encourage your spouse to want to do the same.

You and your spouse are your children’s first examples of who they are supposed to be as adults, and how they should navigate life. You can’t expect them to accomplish this if you aren’t working together as a unit to show them. Have a talk with your spouse and discuss the importance of supporting, encouraging, and motivating each other to be the best versions of yourselves and how this process will strengthen your family.

Image: Pixabay

from Parenting Tips and Advice at Uplifting Families

What to Take for Team Snack Day that’s a Little Bit Healthier

Little league season is rife with adventure — weekly practices and games as well as the age-old tradition of Team Snack Day. Consider these tips for a happier and healthier team snack. Over the years the FishFam has dabbled in a few sports and other athletics. So far this 21 years, we’ve done t-ball, soccer, hockey, […]

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