So, you’re sitting around the dinner table talking about how the day went. Your wife is worried about her employer’s tanking 401K plan, your daughter is commiserating about the game her soccer team lost, and your son is stressing out over college financial aid applications. It’s just another typical day in the life of the average American family. You wonder: is this a good time to talk to them about life insurance?

It is not exactly the kind of thing that makes for easy table conversation. It’s touchy after all, bringing up the possibility that you will die someday. But it is a stark reality that we will all have to deal with, sooner or later and your family has to face it.  So, how do you talk about death and the future in a positive and productive way?

How To Talk to Your Family About Death

First of all, you want to bring up the subject by talking about the future and the fact that you are thinking of how to protect them financially someday. Keep it positive, not frightening by making your spouse and kids think your death is imminent. You might be surprised by how maturely they respond to this conversation as long as you are straightforward and open, not melodramatic.

Make it a comforting and relaxing chat. Bring it up casually to ease them into it. Don’t set the stage for an intense or heavy conversation about death and dying… make it positive about how you want to give them a worry-free future.  Again, children and family members are likely to grasp the message easily and quickly realize how this just means you love them and want to protect them.

Make sure they understand that they will be covered if the financial security you give them today were to suddenly disappear tomorrow.  If you are considering purchasing life insurance now explain how they will be the beneficiaries. If you already have a policy, tell them what it will pay off if you are not there. How the family’s quality of life would not suffer without you… how the insurance proceeds can pay off the mortgage or pay for their college tuition. Re-assure them that they would not be left without the financial resources you provide because the life insurance will be there to pay for their future needs.

Chances are your family will tell you that they don’t want to think about your death and that they would rather have you around and not the money you will leave them in a life insurance policy.  That will warm your heart and you will tell them how much you appreciate and love them and that is why you are thinking of their tomorrows.

They will know that despite the fact that they don’t want to think about this unpleasant subject, they will be touched that you are thinking of their well-being. A mom or dad is supposed to worry about these things… it’s part of parenthood. Tuck your kids in tonight and don’t think about death or dying… but tuck that life insurance policy safely into your most valuable papers… it will give you the peace of mind you need to go to sleep at night.

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LifeQuote Holdings, Inc., is a pioneer in online life insurance brokerage. The firm was one of the first to offer consumers free life insurance quotes via telephone in the 1980’s, prior to developing the Internet business model. The executive team is made up of life insurance and retirement plan veterans, as well as media/marketing specialists, and experts in web design, development and search engine optimization. The company CEO is a respected leader in his field and coveted public speaker at national industry meetings. To find out more, please visit www.lifequote.com.

The author of this LifeQuote Blog post is not a licensed life insurance agent or broker.