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    Take Control of the Chaos with Life Insurance

    Life is totally unpredictable.  Picture this: aliens land in your backyard, a kraken rises from the ocean during your vacation, a rogue marching band storms through your living room…. Sounds ridiculous, right? That’s the point! Life can feel just as chaotic at times, and while we can’t prepare for every unruly twist, we can prepare for the big stuff.  

     

    Life insurance gives you peace of mind, knowing your loved ones are protected no matter what. Because when the unexpected happens, whether it’s real or straight out of sci-fi, you’ll be ready. 

     

    Life Insurance: The Calm in Your Personal Disaster Movie  

    So, what is life insurance? Think of it as your ultimate safety net when life goes completely off-script. Whether you’re a young adult just starting out, a parent juggling family responsibilities, or a retiree enjoying the post-career years, life insurance is there to protect the people you love and are left behind.  

     

    It’s not just for when zombie apocalypses, alien invasions, or kraken attacks happen (though it works for those too). It’s for when real-life surprises occur and expose the fallout of mortgage payments, college tuition, or final expenses. It’s a safeguard protecting your family from a financial catastrophe. 

     

    Life insurance is also more affordable than people think. A recent study conducted by Life Happens and the Life Insurance Marketing and Research Association (LIMRA) found that most adults overestimate the cost by up to seven to twelve times! That means peace of mind might cost less than your monthly streaming subscriptions. 

     

    No matter your age or income, life insurance offers stability, protects future goals, and eases financial burdens during life’s most chaotic moments.  

     

    Your Family Deserves More Than a Zombie Survival Kit 

    For couples and families, life insurance is like having a superhero sidekick when life turns into a disaster movie. Starting a life together usually means shared responsibilities, including mortgages, car payments, and maybe even planning for kids. But what happens if one partner suddenly isn’t there? Without a plan, the financial fallout can feel like battling a kraken with pool noodles. 

     

    A sudden loss can bring about unexpected costs that might surprise your loved ones. Life insurance steps in as your shield. It helps to cover big expenses and keeps your partner and family from drowning in bills when they’re already dealing with heartbreak. Coverage can be tailored to your budget and the earlier you start the better. Because protecting your future shouldn’t feel like surviving an alien invasion. 

     

    Insurance provides a cushion, allowing your family to keep their routines, focus on healing, and not worry about money. Having a policy in place shows love, responsibility, and superhero-level planning. Because whether it’s a mortgage, or college tuition, life insurance helps keep your family safe from life’s wildest plot twists.

     

    Anyone can be prepared  

    Life insurance isn’t only for families or couples. Even if you’re single and child-free, a policy can still be a smart move. Plans can always change. Today you’re binge-watching sci-fi alone, but tomorrow you could be planning a wedding or fending off an alien invasion with your soulmate. Locking in coverage while you’re young often means lower rates and more flexibility later. 

     

    Most people also overlook that your policy doesn’t have to go to an individual. You can leave it to a charity, your alma mater, or even that animal rescue you love. It’s a way to make an impact, even after you’re gone. It’s also a thoughtful and easy way to leave a small financial legacy.

     

    Another point most people don’t think about is that dying is expensive. Even if you go out heroically battling a kraken, someone still has to pay for the funeral. That’s where final expense life insurance comes in. It’s an affordable way to cover end-of-life costs. For seniors, it’s peace of mind knowing loved ones won’t be scrambling for cash during an already tough time.

     

    Whether you’re single, married, or retired, life insurance is your ultimate backup plan for financial security.  

     

    Prepare for the Plot Twists—Protect What Matters Most 

    Life is unpredictable. Whether it’s an alien invasion, a kraken attack, or just the everyday chaos of bills and responsibilities, life insurance is your ultimate backup plan. It’s not about expecting the worst. It’s about being prepared so your loved ones can stay afloat when life throws its wildest plot twists. From single adventurers to growing families and retirees, coverage brings peace of mind that no sci-fi scenario can shake. You can’t control the chaos, but you can control your preparations.

     

    Joan Cleveland, CLU, ChFC, REBC

    Joan Cleveland, CLU, ChFC, REBC is President and CEO of SWBC Life Insurance Company and SWBC Property and Casualty Insurance Company, with more than 35 years of experience in the life insurance industry. She holds her Agent license for Life and Accident & Health Insurance, along with multiple FINRA securities licenses. Joan is a frequent industry speaker and media spokesperson. She is a member of the Board of Directors of the Consumer Credit Insurance Association, Board Chair of the Life Insurers Council and an active member of the Texas Association of Life and Health Insurers.

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