Skip to Content
Family with two children in a bright kitchen indicating a time to learn about why getting life insurance is important.
Why get life insurance

Have “the talk” with your spouse about life insurance

Life insurance can be a touchy subject. Here are a few guidelines to ensure everyone is on the same page about getting the right amount of coverage for your family.

Talking about death isn't easy. It can be especially difficult to talk with your spouse or partner about what would happen if either one of you dies. But it's a necessary conversation to safeguard your family's financial future.

If you're uncomfortable having a conversation about life insurance with your spouse and unsure about how and when to approach the subject, here are a few ways to help make it easier:

Find the right opportunity

Certain life events  may make it easier to start a conversation about life insurance with your spouse. Examples of these events include the birth or adoption of a child, buying a new home, and starting a business. Why? Because all of those things signal a new financial need and added responsibility.

Approach it as a family financial plan

Instead of having a talk about death and dying, frame the conversation around protecting your family financially if one of your paychecks was to suddenly stop. You have insurance that protects assets such as your car or home; life insurance can be part of a sound financial plan that protects your family's income stream. 

Get a few quotes to talk dollars and cents

If you feel that the cost of life insurance might be a deterrent to a discussion with your spouse, then get some rate estimates before broaching the subject.

Set aside a block of uninterrupted time

To have a quality conversation about life insurance with your spouse, decide on a time when you both can have an uninterrupted conversation and not feel rushed. Pick a day and time and put it on the calendar.

Do your homework

Do some online research or talk with a life insurance agent who can provide you with information on different types of life insurance. Try to anticipate questions or concerns your spouse may have and look for answers before the talk.

Ideally, this conversation with your spouse will help clarify how much life insurance you need and can afford. No one wants to talk about losing a loved one, but like other tough topics you can talk about as a couple, death and life insurance conversations are vital.



Arrows linking indicating relationship

Related Articles

Happy family of three enjoying quality time outdoors.

Why is life insurance important?

Learn more
Young family of three in cozy clothing enjoying a lazy Sunday afternoon.

5 reasons to consider child life insurance

Learn more
A group of young adult friends celebrating a birthday

The cost of waiting

Learn more
All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and is meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective or its subsidiaries.

Learning Center articles may describe services and financial products not offered by Protective or its subsidiaries. Descriptions of financial products contained in Learning Center articles are not intended to represent those offered by Protective or its subsidiaries.

Neither Protective nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax-related decisions. For information about Protective and its products and services, visit

Companies and organizations linked from Learning Center articles have no affiliation with Protective or its subsidiaries.