Life Insurance for Parents: Because Your Kids Deserve More Than “We’ll Figure It Out”

Being a parent means doing hard things.
It means showing up when you’re exhausted. It means making decisions your kids may never see — but will always benefit from.

Life insurance is one of those decisions.
It’s not fun. It’s not flashy. But it’s foundational.

What Happens If You're Not Here Tomorrow?
No one wants to think about it.
But if you were gone, would your family have:

• Enough income to keep the house?

• Childcare, schooling, and medical costs covered?

• Time to grieve — without going into debt?

That’s what life insurance is for.
It replaces the income you bring, the value you provide, and the support your family needs.

What Kind of Life Insurance Do Parents Need?

For most families, term life insurance is the best choice.
It’s affordable, lasts 10–30 years, and gives strong coverage during your kids’ most dependent years.

In some cases, a whole life policy may make sense if you’re thinking long-term legacy or want a policy that builds cash value.

How Much Should You Get?

There’s no one-size-fits-all answer — but here’s a good starting point:
10x your annual income.
Or enough to:

• Pay off major debts (like your mortgage)

• Cover everyday expenses for 5–10 years

• Fund your kids’ future (like college or launching into adulthood)

You’re Already Planning for Everything Else…

School schedules. Doctor visits. Meals. Bedtime.
You plan for everything.
This is one more plan — one that protects your family when you can’t.

You don’t have to know all the answers. That’s what I’m here for.

– Cassondra Sells, Owner of Sells Life Insurance LLC