As a single parent, money is tight. What if I can’t afford the amount of life insurance I need?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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When you are choosing between satisfying the immediate needs of you and your child versus the possible future needs—the choice is clear. Rent or mortgage, bills, groceries and health insurance premiums are probably higher on the priority list than a life insurance policy. But life insurance policies do pay important benefits that your child will likely need if you die an untimely death, so it is still important to attempt to get one. If your budget makes the purchase of a life insurance policy impossible, then you might see if your employer offers an inexpensive group policy that fits into your budget. You could also look into an inexpensive term life insurance policy to provide a benefit during the years your child would need it. In addition, you can look into your fraternal and union groups to see if they have an affordable option.

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