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Featured Insurance Blog

Which family members should have life insurance?

The decision concerning which family members need life insurance depends on the circumstances each family faces. Still, there are common reasons why families ensure family members who play different roles. To help work through how life insurance can help support your family in a time of need, contact our 925 Partners team, serving the Jacksonville, FL, area.

Insuring Family Members

Anyone buying life insurance must have an insurable interest (face financial loss or hardship if the individual passes away) and the cooperation of that individual in the insuring process. So, let’s look at the common reasons for insuring various family members.

  • Heads of Household- Life insurance for spouses or others who are a household’s primary breadwinners or caretakers can reduce the financial hardship of their loss. It is also common to insure the heads of household as a means of building during their lifetime or passing on wealth.
  • Minor Children- Most people only use life insurance policies for minor children to cover funerals and similar expenses. Buying life insurance for children with specific health issues can also help ensure their access to life insurance in adulthood.
  • Adult Children and Siblings- Insuring adult children and siblings can be wise when they are active caretakers or financially support aging parents or other family members since their loss could result in additional elder care expenses. Insurance may also be helpful for adult children and siblings with loans or shared interests in businesses or investments that cause hardship upon their passing.

Working with 925 Partners

Given the many reasons for insuring family members’ lives, our 925 Partners team, serving the Jacksonville, FL area, can help you work through these decisions and select the insurance coverage that best meets your needs.


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