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The Loss of Michael Jackson and Billy Mays


During July of 2009, singer Michael Jackson and TV pitchman Billy Mays unexpectedly passed away at age 50 - the average life expectancy for an American male is 75. The premature death of these American icons underscores the importance of life insurance. Term life insurance is an affordable way to give your family financial protection when they need it most.

Jackson and Mays, both multi-millionaires, each had the financial means to provide for their loved ones without life insurance. But the vast majority of Americans aren’t so fortunate. For an average family, the loss of a breadwinner can be financially devastating. Not only is the primary income lost, but access to health insurance and other necessities could disappear too. The mortgage, the car payment, household bills, credit card payments, groceries—the expenses are endless.

Imagine this: While working out at the gym, a healthy 40-year-old father experiences sudden chest pain and collapses on the floor. He’s rushed to the hospital and, despite the ER doctors’ best efforts; he passes away from cardiac arrest. His wife, who recently left her part-time job to care for the couple’s two young children, 8 and 11, is suddenly facing the prospect of financial ruin.

Still reeling from the initial shock of his death, she begins making funeral arrangements. After borrowing money from her in-laws to cover the final expenses, her dwindling savings account and a few credit cards are her only remaining sources of income. When the mortgage statement arrives, she files it with the rest of her unpaid bills. Finally, a grim realization sets in: she can’t afford to care for herself and her two children.

This heartbreaking scene is all too common. It’s a sad fact that millions of American adults do not carry any form of life insurance, and for a variety of reasons—cost, a misconception that life insurance is too complicated, unwillingness to consider one’s own mortality—some consumers are hesitant to purchase coverage.

In fact, term life insurance is incredibly simple. It provides coverage for a period of time that you select, anywhere from 1 to 30 years. If you pass away during this time period (“term”), your beneficiaries are covered. If you outlive the policy, it simply expires.

Additionally, term life insurance is the preferred low-cost alternative to permanent life insurance. The average rate for a healthy 40-year-old seeking $500,000 in coverage is less than $30** per month.

If you don’t have life insurance, you’re rolling the dice with your family’s future each and every day. If you care about your family’s future, protect them by getting a free term life insurance quote today. See below.


It's never too late or too early to think about
protecting your family's financial future.

Life insurance is protection against financial loss resulting from death. It is an insurance company's promise to pay your beneficiary a specific amount of money when you die in exchange for timely payment of premiums.

Why do I need life insurance?

Although you may not think about it, your ability to earn income is a significant asset and life insurance helps replace lost income in the event of your premature death. Here are some reasons people buy life insurance.

The death benefit may be used:

  • To replace income the family would need to maintain their standard of living after the death of a wage earner.
  • To pay off a mortgage loan and other personal and business debts or to create a rent fund.
  • To create a fund for children's education.
  • To pay final expenses, such as funeral costs and taxes.
  • To create a family emergency fund or a fund for a family member with special needs.

Get a Life Insurance Quote Today. Select an option below:

1. Fully Underwritten Policy (this involves a medical exam)

2. Non-Medical Policy (no medical exam required)

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