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November 2, 2018 By John Adams 8 Comments

Hero Dad: The importance of having life insurance

Some time ago I had a meeting with a financial adviser. At the time I didn’t have life insurance and hadn’t had any in place for quite some time. I knew this was a wrong that needed correcting and after making a few calculations, the financial adviser put forward a very strong argument for getting a policy in place as soon as possible.

Protect Line, life insurance, Hero Dad, dadbloguk, uk dad blogger, dadbloguk.com, school run dad,

Life insurance: A selfless gift you can give your family.

Very matter of factly he said: “If you died, it would cost about £40,000 a year to replace you and hire people to handle the childcare and other work you do around the home.”

I was going to buy a life insurance policy anyway. If I had been wavering, however, that comment would probably have sealed the deal.

The uncomfortable truth is that I am not even the main earner in our household. My wife carries that responsibility. Nonetheless, I think that remark shows the importance of having a life insurance policy.

Hero Dad

Life insurance broker Protect Line is seeking to make more people aware of the importance of life insurance. It’s launched a Hero Dad campaign to do this and to make clear the fact life insurance can start from as little as £5 a month.

First of all, why Hero Dad? The idea is to encourage people to be a hero for their family and get a life insurance policy in place, something that is a selfless gift.

Why the focus on dads in particular? In reality, most households aren’t like mine, where dad stays at home and mum goes out and works full time. In many households, dad is the main earner, so the campaign aims to make people think about what might happen to their family and its finances if the main earner were to pass away. That could be mum or dad, but the campaign merely reflects the fact it’s usually dad. Mums are, of course, encouraged to explore Protect Line’s product offering.

As part of the campaign, Protect Line has produced a superb video. I’ve embedded it below so do take a moment to watch it.

It’s a charming story following how a dad and his son interact while playing. I won’t give too much away, suffice it to say that if you were this hapless dad, I think you would definitely be wanting life insurance. Few humans have driven cars over the edge of cliffs, jumped out of aircraft, visited space or battled with dinosaurs and lived to tell the tale.

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A scene from Protect Line’s ‘Hero Dad’ video.

About Protect Line

Protect Line has a very high rating on review website Trustpilot. If you were interested in taking out a policy, your first port of call may well be its newly-launched website.

The company’s process includes a phone call to answer any questions you may have. This also gives you the reassurance of dealing with a real person, not just making an online purchase. Protect Line stresses there is no pressure to take out a policy, that decision rests with you.

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The Hero Dad in outer space facing down a comet.

What is your situation?

I think life insurance policies are a bit like wills. Everybody knows they should have one in place, but not enough people actually have one in place.

While Hero Dad is focusing on the loss of a main earner, the tale I told at the beginning of this blog post shows how important it is for all parents to have life cover in place. Cover is important whether they are the main earner or otherwise.

This begs the question, do you have a life insurance policy in place? If not, have you thought about getting one and what is stopping you? Do leave a comment below or catch up with me on the usual social media channels where I can be found as @dadbloguk.

 

Disclosure: This commissioned article was produced in partnership with Protect Line.

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Filed Under: Childcare, Family finances, Family Life & parenting, Stay at home dad / work at home dad Tagged With: benefits of life insurance, dad blog uk, Dadbloguk, Dadbloguk.com, daddy blogger, families, family, family finances, family life, father, father blogger, finances, Hero Dad, insurance, life insurance, life insurance cover, life insurance policy, money, mother, mothers, mums, parenting, professional blogger, Professional blogger John Adams, Protect Line, Protect Line life insurance, protecting your family, SAHD, school run dad, uk dad blogger, WAHD, wills

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Reader Interactions

Comments

  1. Nige says

    November 2, 2018 at 12:40 pm

    Life insurance is so important, so many people don’t think beyond the day. After the year I have had it’s made me more aware to make sure my wife and kids are looked after if I’m no longer around, fab campaign

    Reply
    • John Adams says

      November 5, 2018 at 10:36 am

      Oh wow Nigel, yes, I can well imagine after the experiences you have had recently that you’d put a lot of importance on life insurance. I think it is vital yet many people don’t seem to understand this. It’s good to see Protect Line running this campaign.

      Reply
  2. Jack says

    December 13, 2018 at 9:51 pm

    This was a great excellent informative post you have now shared in the above article about the importance of life insurance ,If someone leaves a spectacular and insightful comment around that blog post, use that comment as inspiration for your next blog post. Open with a snippet from that comment, with a link to that reader’s website, and then follow with your opinion. Then reach out to that reader via email to let them know that their comment inspired you!
    Thanks.

    Reply
    • John Adams says

      December 16, 2018 at 7:12 am

      Thanks for your insight. I hope you found the blog post useful.

      Reply
  3. sia online says

    February 25, 2019 at 5:32 pm

    This was a most excellent information you have shared on this page about the importance of life insurance and the company’s process includes a phone call to answer any questions you may have. This also gives you the reassurance of dealing with a real person, not just making an online purchase. Protect Line stresses there is no pressure to take out a policy, that decision rests with you.
    Thanks.

    Reply
  4. MumFoundedUK says

    May 1, 2019 at 7:53 am

    We all need it, but if you’re unlucky enough to have a few medical ailments, the monthly payments are crippling. My hubby’s 40, is tea total and hasn’t smoked in 7 years. He’s got diabetes and rheumatoid arthritis. He’s been quoted £303 per month(!)

    Reply
    • John Adams says

      May 3, 2019 at 5:03 pm

      Oh wow, that’s valuable insight about having medical ailments. I guess that can have an impact on your life insurance cover.

      Reply
  5. Thomas Ben says

    October 24, 2019 at 9:57 am

    If you know the importance of life insurance to your family then for sure go for the family life insurance to protects your family dependents financially in your absence. I hope every policy seeker will get helped from this concept of life insurance blog here.

    Reply

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I’m John Adams and welcome to my award-winning blog. Since 2011 I’ve been the main carer for my two daughters and run the household while my wife has worked full-time. This blog tells our story. Follow this link to find out more about us.

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Instagram post 2197984947629147223_1418399145 Are you wearing a spangly, sparkly jumper to mark @savechildrenuk’s #ChristmasJumperDay ?? We may be part way through the day, but it’s not too late to donate or take part. I hope the following shopping list may inspire you: £1 will buy a set of pens and pencils to help a child write and learn £2 could pay for enough antibiotics for eight kids with pneumonia (one of the world’s biggest killer of children) £5 could buy a winter jacket for a child in Syria £20 could buy vital supplies for a new mother and baby.

Go take a look at the @savechildrenuk feed to find out how you can help. 
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As a former journalist, I have always encouraged my kids to show an interest in current affairs. I’m always amazed at the opinions they express and how considered their opinions are. 
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Visit the blog and sign up (link in bio) and you will receive 19 issues for the price of 13. 
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Don’t take my word for it though, take it from @tompalmerauthor He has, after all, just received the Ruth Rendell Award, a prestigious award given to people who have gone out of their way to promote literacy. 
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