6 Reasons Life Insurance Makes a Great Christmas Gift

December 14, 2012

With just under two weeks left to the year's biggest gift exchange, finding something for everyone on your list can be more stressful than a top secret navy seal mission.

If that isn't bad enough, you always have that one person who is impossible to buy for, either they have everything or want nothing.

You may have even considered discontinuing your relationship with this person to avoid this gift giving challenge.

Well... Don't worry, we've got you covered. Here are six reasons life insurance can solve all those problems and many more.

1. It Costs as Much as Netflix

You have heard the commercials on the radio, “A 30 year old male, in excellent health, can get a $500,000, 20-year term life policy for as little as $15 a month.” That's true. Of course, rates will vary depending on the amount of coverage and each person's specific health history. Why not let your $15 go further this year? If not, at least they will be able to catch up on Breaking Bad.

2. College is Expensive

If you have put a child through college, you know it could cost more than your first house, and that's just for a four year undergraduate degree. Depending on where you fall in your gift recipients responsibility line, you could find yourself in charge of that task if the worst we're to happen. You can make sure you protect not only their best interests, but yours as well, with the proper life insurance policy..

3. It's for the Whole Family

How many gifts can say they are truly for the whole family? Sure you can get the kids a "family" dog, but you know how that story goes. The kids play with the dog and dad walks and feeds him. Merry Christmas dad. Regardless if the family never sits down to “play a game of life insurance” it’s something that will define the rest of their lives if its not there when they need it. If they haven’t been responsible and properly protected their family, your gift can help correct that oversight.

4. People Don't Like To Think They Won't Be Around

We all like to think we will be around forever. If not forever, at least long enough to not have to think about a premature exit. That’s great, an optimistic attitude will serve you well throughout other areas of your life. However, its in everyone’s best interest to expect the best and plan for the worst. Let your secret Santa go further this year and provide more than just another set of steak knives.

5. Avoid the Holiday Shopping Crowd

If you are anything like me, you would rather take your chances crossing the Sahara desert with a bottle of salt water than step foot in your local mall or big box store.

If that is the case, life insurance is the gift for you. No lines, no waiting, no irate customer return scuffles. One call to your agent and your set.

6. You Don’t Have to Worry About Someone Getting the Same Gift

You can bet you will give that person the most unique gift they will receive this holiday season, possibly ever. No worries about doubling up on that James Bond box set or latest tech device.

The Bottom Line

Of course we are having a little fun with this list to get in the holiday spirit. Life insurance plays a very important role in protecting anyone’s loved ones from financial hardship in the event of their untimely passing.

If you decide you want to think outside the box this holiday season, make sure you take the time to adequately discuss your options with someone who know what they're doing.

You can be sure someone will be very thankful you did if they ever need it.

Would someone in your life appreciate a life insurance policy this Christmas season?