The unthinkable has happened. Maybe you had just moved in together. Maybe you recently celebrated your golden wedding anniversary. Whether it be by tragic accident or lingering illness, you have lost the love of your life. You are filled with shock, anger, and sadness. But there are decisions to make, bills to pay, people to console, and all the while, double chores waiting to be done. What is the best thing a life insurance policy benefit can do for you at a time like this?

For Young Couples with No Children: Pay the Bills

Most young couples are so dependent on each other's income that they could not pay their bills for two consecutive months without that extra paycheck. Hospital and funeral expenses compound the financial crisis. Life insurance at this stage literally can prevent eviction, repossession of home/car, loss of services such as utilities, and years of trying to get back in the black.

For Parents of Dependent Children: Let Your Kids Adjust

In the old days when children lost a parent, they often had to drop out of school to go to work. These days, the surviving parent often works extra hours to provide for the children. Life insurance helps alleviate the loneliness and confusion of children who have lost one parent by giving them necessary time with the remaining parent. It allows kids to have what they need, participate in extra-curricular activities, go to college, and become well-adjusted adults.

For Baby Boomer Couples: Set the Stage for the Rest of Your Life

The trip fund you and your partner had set aside for retirement has been used on hospital bills. The nest egg you the two of you were building up is slowly dwindling. You're no spring chicken, but suddenly you're not sure your income will outlast you. Life insurance fills in the gap so that your retirement can proceed as planned, financially, anyway.

For Senior Couples: Soften the Blow

Losing a partner at an older age can be especially difficult due to other losses going on at the same time - friends, health, independence. Life insurance can help make life easier and more comfortable by providing the funds you need to: travel to visit an adult child, hire help so you can stay in your home, pay for prescriptions, maintain a hobby. You may not have the energy to pull yourself up by the bootstraps, so give yourselves a break by having a little life insurance policy on hand - you deserve it.