Life Insurance Isn’t Morbid—It’s Just Mature: A Loving Legacy, Not Just a Policy 

Let’s talk about the one conversation we all try to dodge—yes, the one about life insurance. Don’t click away just yet. I promise this isn’t an infomercial, and I won’t make you buy anything. But we do need to have a grown-up conversation about how we leave this world and, more importantly, what we leave behind. 

Too many families are left passing the plate or hosting fish fry fundraisers just to bury a loved one. And while catfish is delicious, that should never be the family’s emergency financial plan. There’s a better way—and it’s called life insurance. 

The Bible reminds us that “a good person leaves an inheritance for their children’s children” (Proverbs 13:22). That’s not just a poetic suggestion; it’s a strategy. Life insurance can be the difference between your family scrambling and your family soaring. 

Love Looks Like Preparation 

We all know we’re going to die. It’s the most guaranteed part of life, yet we act like it’s a surprise twist ending. But what if we flipped the script? What if we treated our passing not as a crisis, but as a coordinated handoff of wisdom, wealth, and love? 

Life insurance, in its purest form, is a final act of stewardship. It’s a way to say, “I thought of you. Even when I’m gone, I’m still providing.” It can cover everything from funeral costs to your child’s college tuition to paying off your credit card debt from that one impulsive “treat yourself” vacation. 

No, it’s not glamorous. You won’t see TikToks of folks bragging about their life insurance plans. But trust me—your future grandchildren might silently thank you. 

Who Gets What (and Why You Should Update It) 

Let’s talk beneficiaries. These are the folks who receive the life insurance payout—aka the people you love enough to leave money to. This can be your spouse, your kids, a trust, or that cousin who always shows up on time with the good mac and cheese. 

But here’s a pro tip: update your beneficiaries. Got married? Had a baby? Got divorced from someone you don’t want to accidentally make a millionaire? Review your policy. Life changes, and so should your plan. 

Term vs. Whole: Pick Your Poison (Lovingly) 

You’ve got two main choices: term life and whole life. Think of term life like renting an apartment—lower cost, temporary stay. It’s perfect if you just need coverage during your working years or while raising young kids. 

Whole life is more like owning a house. Yes, it’s pricier, but it builds equity—or in this case, cash value. That cash value grows over time and can be borrowed against. Emergencies, business ideas, a much-needed sabbatical? Your policy could help fund it. Just remember: it’s not a bottomless ATM. If you don’t repay what you borrow, your loved ones could receive less when you’re gone. 

Want to be a wealth wizard? Start whole life insurance early. Like, baby-level early. Policies for children are low-cost and can set them up with lifelong protection and generational value. Imagine gifting your child not just a teddy bear, but a financial safety net. 

Breaking Cycles, Building Wealth 

If we’re serious about closing the wealth gap—especially in the Black community—life insurance must be part of the conversation. It instantly creates an estate. No savings account? No problem. Your $30/month premium could turn into a $500,000 tax-free payout to your family. That’s not magic—that’s math. 

Imagine your children using your policy’s payout to buy a home, graduate debt-free, or start a business. That’s legacy. That’s power. That’s love in action. 

Because let’s be honest: GoFundMe isn’t a financial plan. “We’ll figure it out later” isn’t strategy. But a life insurance policy? That’s a statement. A legacy. A head start for the next generation. 

Now, Ask Yourself… 

If you died today (yes, I know, that escalated quickly), would your family be financially okay tomorrow? Do they know your wishes? Have you even talked about them? Have you considered a policy for your child? Are you using life insurance not just as a safety net, but as a strategy for generational blessing? 

Hard questions. But necessary ones. 

If you would like further help with life insurance you can request a consultation here: https://sscottconsultinginsurance.com/

Let’s Make a Move 

You don’t have to solve it all today, but here’s what you can do: 

• Review or buy a policy (they’re more affordable than you think). 

• Compare quotes from trustworthy providers. 

• Update or add beneficiaries. 

• Start a policy for your kids (seriously—don’t wait). 

• Talk to your loved ones about your plans, even if it’s awkward. 

Because life insurance isn’t just about death—it’s about dignity, discipline, and legacy. It’s a decision that says, “I’ve got you,” long after you’re gone.  

“Teach us to number our days, that we may gain a heart of wisdom.” – Psalm 90:12 

Be wise. Be loving. Be prepared. Because the best inheritance isn’t just money—it’s peace.