I remember when I put the milk in the pantry.

 I remember when I was a new father. I was excited, exhausted and a little lost. In that new world, there were things I knew I needed to know. Such as how to change a diaper, how to function on 3 hours of sleep (I once put the milk away in the pantry) and how to take care of my new family financially.

I felt immediately a much higher level of responsibility. After all I had a brand new life I was responsible for and I had to do a lot of grown up things for the first time. One of those things was to buy life insurance.  

I did what any of you would do, I read books, I took a test, I got licensed to sell life insurance and opened an insurance agency. Well, not exactly, but I did just open my business within a year of the birth of my son so that is not entirely untrue.  

I learned quickly how important this product is to protect a family from the loss of a primary wage earner and wrote my first life insurance policy, on me.  

The pride I felt and relief I felt were immediate. I knew, with certainty, that if i didn’t arrive home one night, my wife and new child wouldn’t have to move. The bills would be paid. My wife could stay home if she chose instead of day care. Any burden that would be felt financially, would be taken care of.   

I thought the last thing I needed was another expense. With all of the diapers, jars of whipped peas, and ear plugs(for sleep) how can I afford anything else? Good news. This policy will cost about the same as the mediocre pizza you get once a month.  

All for about $13 month. For a fraction of the price it takes to insure my car, I was able to do this for my new family.   

You may be thinking, “Matt, I already have life insurance through my wonderful place of employment”. To which I would respond, “Good! You absolutely should”. But it's rarely enough and the odds of you working at the same place when your new bundle of joy graduates college is enormously thin. You need a policy that you own and control.

So, I know you’re busy living and thinking about death is about the last thing on your mind. 

But this isn’t really about death, it’s about the lives you love even more than your own.

Here’s the thing, let’s have a talk and make sure that you have things covered. I promise to give you the same kind of straight-from-the-shoulder advice that I would have wanted (but not had time to ask for) back when it mattered most—when my income was just barely enough to cover the bills and when it would have been a crushing blow if I were suddenly out of the picture.