Cost of Insurance vs. Cost of Regret

One of the most common questions I hear is:
“How much does life insurance cost?”

The honest answer: it depends.

Your age, health, weight, smoking history, and even medications can affect your rate. But here’s the good news:

There are plans designed to fit a wide range of budgets. My role is to help you find coverage that protects your family without breaking the bank.

But here’s an even more important question to ask yourself:

“What could it cost me if I don’t have life insurance?”

The Real Cost of Doing Nothing

For many families, not having life insurance is the most expensive choice of all.

When someone passes away without coverage, their loved ones are often left scrambling emotionally and financially to figure everything out. And unfortunately, it’s not cheap:

• The average funeral costs nearly $14,000 for a burial and over $6,000 for cremation.

• 62% of Americans say they’re not financially prepared to handle those expenses.

• Nearly 4 in 10 families end up relying on credit cards or loans just to cover funeral bills, adding debt to grief.

And those numbers don’t even touch the bigger picture:

Who keeps the lights on? Pays tuition? Covers the mortgage? Or helps aging parents when they come up short?

Without life insurance, your family could face financial hardship right at the moment they need stability and support the most.

Planning Ahead = Protecting the Ones You Love

Planning ahead isn’t about expecting the worst. It’s about making sure your loved ones are cared for — no matter what.

Life insurance is one of the most selfless choices you can make. It gives your family the confidence that if something happens to you, they won’t be left carrying both emotional and financial weight alone.

Watch more here:

Ready to Talk?

If you’ve been putting off life insurance because of cost, let’s talk. You might be surprised at how affordable it really is and how much peace of mind it can bring. Click here to book a free consultation or call/text me at (804) 539-6397.

Stacy Gregory
Your Trusted Life & Health Insurance Advisor
Serving individuals, families, and small businesses across