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Six Reasons Why Newly Married Couples Need To Buy Life Insurance

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In This Article, I’m Going To Specifically Discuss Six Main Reasons Why Newlyweds Need To Buy Life Insurance

You have recently married. Congratulations! I hope that you have many years of happiness and joy. You’ve vowed ’til death do you part, but what happens after?

In this article, I will explain the six important reasons why you should consider picking up life insurance.

God forbid that you pass away earlier than expected, leaving your surviving spouse having to fend for themselves financially. Let me tell you about what life insurance can do for newly married couples if the worst should happen.

Today’s Topic Overview

Six reasons to get life insurance as a newly married couple

Part of the reason why people get married is that they want to commit to each other financially. The reality that we all face is that our demise is uncertain. We may die earlier than expected.

All the plans we set may be broken in a tragic way, not just at an emotional level but also at a financial level. Therein lie the reason, the beauty and the power of what life insurance can do for newly married couples.

If you would like to get a free, no obligation quote, call us today at (888) 626-0439. You’ll speak to an expert broker who can assist you with any questions you might have. You can also send us your information using the request box found on this page. Simply give us your contact details and we will be in touch within 24 business hours.

1, Life insurance is an act of love

I train insurance agents at a national level. One of the things that I teach my agents is to understand that life insurance is not some transactional sale process. It’s an act of love.

Yes, it costs a certain amount of money. For many people, it’s a normal thing to buy. But we have to understand the nature of life insurance. It only kicks in if we die. We are paying for something that we will never see the benefit of. That’s a crazy idea, right?

Most of the things that we buy we want to use. We want to see the benefit. The key here is that life insurance is an intangible product. We trust that it will work. These policies require a lot of trust in order to purchase them and keep paying for them as long as the contract demands.

Nobody wants to leave their spouse with untold amounts of debt and frustration. That’s why life insurance is an act of love. You can’t be saved from the throes of death, but you can save your spouse from the throes of financial disaster.

2, Imagine life without your spouse

Imagine how painful life would be without your spouse. I know that this is hard. You’ve just committed your entire life to this person. That doesn’t mean that a freak accident couldn’t take you away from them.

Picture yourself in such a circumstance. If you die today, what happens tomorrow at a financial level?

What happens to the bills, mortgages and other loans? What happens to your kids’ futures? Their college funds? Paying for their activities? Taking care of your spouse? Their retirement?

Imagine the pain and struggle that they would go through. Not only have you left the picture, but so have your financial capabilities. This is where life insurance becomes extremely handy. It can’t replace you, but it can replace your economic capabilities. It can leave your family as best off as possible.

3, Think of the children

This is a loaded phrase. It’s used by many people that try to manipulate you into doing things that you don’t want to do. When it comes to life insurance, it’s true. You have to think of your kids’ futures.

What kind of life do you want them to have? Do you want them in a position where they have to financially struggle? Maybe have to experience poverty? No decent person wants anybody to struggle, much less their own children. Life insurance plays a perfect role in preventing this problem from happening.

Putting life insurance coverage on the books will take care of your kids and family if, God forbid, things happen earlier than expected.

4, Life insurance is cheaper than you think

One of the biggest objections I’ve heard from newlyweds is that life insurance is an expense that is tough to pay. But people think this way because they don’t have any experience otherwise.

They get stuck with the idea of paying for a plan forever. They worry about what happens if they commit to a bill that they can’t keep paying.

Life insurance is not as expensive as you think. You can afford this. How do I know? Because you’re already paying a bill for a smartphone and internet.

You are paying for Starbucks coffees or nights out on the town. It’s very likely that your life insurance will cost much less than what you spend on simply going out and eating.

If your age is low enough, you can see prices around $20 to $30 a month for six-figure plus policies. It’s incredible. Don’t put off the life insurance plan. As you get older, that price will go up.

Many of my clients take out their policies in their fifties, sixties, and seventies. One thing that they all say is that they wish they took it out earlier because of how expensive it becomes later.

5, Your death is pretty expensive

We talked about this earlier, but it’s worth repeating. Your death will cost your new spouse and your future children a tremendous amount of money. You’ve got to think about this seriously.

You earn a certain amount per month and you will continue to do so throughout your career. You’ll have money increases. All of that economic value will provide for a good lifestyle for your family.

If you die then that is eliminated. It puts your family back to the proverbial square one. Sometimes they will be completely impoverished.

Take care of these financial obligations early. If you don’t, your family may have to downsize. Move out of the home that they live in. Go into school districts that they don’t want to be in.

It’s a lot of pressure on your family. They’re in a position where they struggle. Things have turned for the worse.

Don’t let this happen. You don’t have to. That’s why life insurance exists. It will take care of some of those obligations. It will at least give your family significant breathing room. An opportunity to get back on their feet financially.

If you would like to receive a customized quote, call us at (888) 626-0439. Alternatively you can send us a request using the message box found on this page.

You’ll speak to one of our friendly representitives and will be under no obligation to buy anything from us. 

Case study examples

Newlyweds with a History of Diabetes

A young couple recently called us looking for a free quote on life insurance. They had recently gotten married and recognized the importance of getting quality life insurance in place should either of them pass away unexpectedly.

The only problem was the wife had diabetes. She was taking insulin each day to regulate her blood sugar, and she was in overall good health, but she had heard of cases where policies were rated up or applications were even declined because the person had diabetes.

Thankfully this young couple made the right decision to speak to a broker rather than an agent. We have a number of carriers we work with who deal with a wide variety of health related issues. Thanks to being able to shop a number of options, we were able to get this couple a great deal on life insurance and put their minds at ease in knowing they weren’t paying more than they had to.

While we can’t guarantee every individual in the same circumstances will qualify, we do our best to get coverage in place for every client that gets in touch with us.

Protect a Surviving Spouse and Child

A married couple recently came to my office to discuss life insurance options after having their first child. They were on a limited budget but realized the importance of having some kind of coverage in place to ensure if anything happened to either one of them, the surviving spouse would have the financial stability to continue to raise their child with the comfortable standards they were used to.

The husband admitted during the application process that he did have high blood pressure and had to take medication for it. He was concerned this would impact the underwriting process and that the end result would be a policy he couldn’t afford.

We looked at a number of providers for this couple and found one that met their goal of providing income replacement while remaining affordable and within their monthly budget. They were delighted with the end result and were grateful for the peace of mind in knowing they had coverage to protect against the unexpected.

Every application is unique and requires a strict underwriting process.

That’s why we can’t guarantee coverage for every applicant. But we certainly do our best to shop a number of options and do everything we can to find coverage for our clients, even if they have difficult to cover health conditions.

Burial Insurance Rates, Age 40 to 90*


Rates For $5,000 In Burial Insurance

Rates For $10,000 In Burial Insurance

Rates For $15,000 In Burial Insurance

Rates For $20,000 In Burial Insurance

Rates For $25,000 In Burial Insurance

*Burial insurance premiums are subject to underwriting, based on rates as of 8/20/2018, from state-regulated life insurance companies offering final expense burial whole life insurance protection. Understand that in order to potentially qualify, you must submit an application to see if you’re eligible. Rates are subject to change. Give Buy Life Insurance For Burial a call at 888-626-0439 now to see what program you may qualify for.

6, It’s usually easier as newlyweds to qualify for life insurance

One of the great things about this is that you’re most likely fairly young. Most people who get married are usually in their twenties or early thirties. It’s likely that, because of your age, you’re going to find it much easier to qualify. The price point will be so low that it will be easier to get a competitive amount of coverage in place.

It’s unlikely that you’ve had serious health problems in your life. You should be able to qualify for a life insurance policy with much more ease, at preferred rates. Don’t wait long before you get coverage in your life.

You will experience more health issues as you get older. We all think we won’t, but eventually, we do. Then you’ll find that it becomes more and more difficult to be approved for coverage.

Even if you do qualify, you’ll find much higher rates of premium. For many people they become impossible. This is why it’s so important as newlyweds to qualify for life insurance well in advance.

Take advantage of the fact that your health is in great shape. Apply for a life insurance plan. You will not only experience a better price, but also an easier time in qualifying.

A little afraid of getting blood withdrawn or peeing in a cup when doing an exam with a life insurance company? Take no worry. There are new life insurance plans out there that don’t require an exam. They simply pull up your medical records in order to determine your insurability.

That makes life a lot easier. When you’re young your records will be showing better results with which to qualify for coverage. You don’t have to go through what you don’t want to experience.

Stories from the field

The reason I share some of my personal experiences in these articles is to convey the importance of getting quality life insurance in place. Tragically so many people are taken advantage of by agents who do not have their best interest in mind.

This particular story centers around a Mr. Jones of Albany, Georgia. Mr. Jones was a retired school teacher and a veteran. He was 85 years old when we met and explained to me that he felt the insurance he had in place was inadequate.

He had recently gotten remarried and wanted to be sure his wife was taken care of upon his passing. Mr. Jones was aware that 85 was the cut off age for getting life insurance, so he was eager to get something added to his policy.

The only problem was that he had had a number of strokes and was taking blood thinners. At his age he was aware that this could impact his ability to get more insurance.

After looking at a number of options I determined we would be able to get Mr. Jones a preferred rate with first day, full coverage for natural and accidental causes.

This was great because Mr. Jones, like myself, was well aware that there were life insurance companies out there, such as those that advertise on TV or that you see every other day in the mail,  that supposedly offer great insurance but in reality don’t cover you until 2 to 3 years have passed. 

These companies prey on individuals who are unaware of the stipulations or are fearful they will not qualify for any other kind of insurance.

Needless to say, Mr. Jones was enthralled that he was able to qualify for first day, full coverage despite his health history and made sure to max out the amount of coverage that he felt comfortable with to satisfy his life insurance goals to protect the people he loved.

Six months later I got word that Mr. Jones had died of heart failure. We were able to provide a full payout to his widow, which impressed upon me the importance of the work that we do.

The moral of the story is to that it’s important to work with a broker who can offer coverage from day one. And it’s important to get coverage in place, regardless of your circumstances – whether you are 85 or 25.

We don’t want our clients to settle for inferior coverage. Nor do we want to see you get a policy that costs more than you can afford each month.

Our goal is to find quality coverage that meets your budget and life goals so that you can have peace of mind in knowing your loved ones will be taken care of if you die unexpectedly. 

Top 7 reasons people buy term insurance

1.Term insurance is affordable
Many people purchase term insurance because they are on a fixed income and only have so much money they can devote to life insurance coverage each month. When compared to other types of life insurance, term insurance is the most affordable type of coverage you can get and a great option for those who are newly married. 

2.Income replacement
If you want to replace your income, term insurance does a great job of meeting that need. You simply name a beneficiary on your policy and upon your death they receive a lump sum of money with which they can make payments on a mortgage or pay down debt. 

3.Retirement funding
If you die sooner than expected, your retirement fund will suffer the consequences. But did you know you can use a life insurance policy for retirement funding?

A portion or all of your policy can be put toward your 401K or other pension plan to ensure long term financial stability for your loved ones in the future. 

4.Out of love
None of us want to burden our loved ones financially. Term insurance is a great way to be sure your final expenses or remaining debts are covered and your loved ones don’t have to pay out of pocket to cover those expenses.

5.Custom length
Term insurance can be customized to a period of time that covers your financial obligations. For example, if you had a 30 year mortgage you can get term insurance for 30 years. This guarantees you don’t pay on coverage for longer than you have to, but you have protection in place if you need it. 

6.Pure insurance need
One of the greatest things about term life insurance is that it meets the simple need for life insurance protection. There are no extras that drive up the cost. Term insurance is affordable and flexible. 

7.Exams are optional
 If you want to avoid a doctor’s visit or are afraid of needles, did you know you no longer have to take an exam to get life insurance? It’s true, life insurance companies have become much more flexible about this requirement and often you can get term insurance without an exam. 

Thanks for reading, and I hope you’ve gained truly valuable information on your search for life or burial insurance. If you’re ready to discover your options for life or burial insurance, call me at 888-626-0439 now for your free life insurance quote!

Next steps

If you’re interested in qualifying for life insurance, feel free to contact us at We will do our best to shop you the best coverage according to your goals as a newlywed. Visit my website. You can go to and grab a free quote.

I do ask that you message me first. You can do that by clicking the contact box; the one at the top or the bottom, and send me a quick message. Or just call me. The best way to reach me is (888) 626 0439, and speak with me live.

Thank you for reading this article. If you would like to take the next step and see what you might qualify for, please get in touch.

You can call us at (888) 626-0439 or send us a message and we will respond within 1 business day. If you have any lingering questions, don’t hesitate to ask! We are here to help.


We work with individuals across the nation to secure the best life insurance rates.

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