Life insurance is one of those things that no one likes to think about. Unfortunately, if you don't, your family could really struggle if something happens to you.
Posted in Group Term Life Insurance on Thursday, September 17, 2026
There’s an easy fix … get the life insurance you and your family may need and get back to enjoying each other.
Still not convinced? Here are 7 other reasons to get this valuable protection — or additional coverage — in place.
1. More Affordable Than You Think
If you think life insurance is too expensive, you’re not alone. Many people put off getting the insurance protection they may need because they are concerned about the cost. It may be more affordable than you think. According to one study, adults age 30 and under believe the price to be 10-12 times the actual cost.*
2. Easier Than Ever
You may be worried that getting life insurance is a hassle. It doesn’t have to be. It’s easier than ever to get an instant quote and apply online. You can take care of it whenever it’s convenient for you. Don’t know where to look? Consider starting with a company you already trust for other insurance and see what life insurance options they have available.
3. It Takes Two
In many households, it takes two incomes to keep things running smoothly. If one income suddenly disappears, most of the same expenses will still need to be taken care of: mortgage or rent, childcare, everyday bills, groceries and more. Plus, in the case of a tragedy, there may be additional, unplanned expenses.
4. Help Pay Off Debt
Your family will have enough to deal with. They shouldn’t have to worry about a mountain of existing debt — without the benefit of your income — as well. This is an important consideration when deciding how much life insurance you need.
5. College Plans
There are certain things you want for your family members, whether or not you’re here to see them happen. One of those things is college. Making sure there is enough money for your kids or spouse to further their education or learn new skills is truly an investment in their future.
6. If You Own Your Practice
For business owners, having enough life insurance is especially important for a few reasons. You may not have the advantage of a retirement fund or voluntary life insurance through an employer. Your life insurance amount should take this into consideration. Also, factor in any business loans and debt you may have.
7. Funeral Expenses
No matter what kind of service your family plans, funeral prices continue to rise. The passing of a loved one is stressful enough without having to worry about how to pay for a funeral. The proceeds from life insurance can help ease this burden.
Take a few minutes to learn about the DC Group Term Life Insurance Plan now, while you're thinking about it. It's for your family's future.
Related Article
6 More Reasons to Get Life Insurance
*LIMRA, Adults Age 30 and Younger Overestimate Life Insurance Cost by 10–12 Times, 6/25/2025
NCMIC Insurance Services, a licensed insurance agency, is the exclusive agent for the DC Term Life Insurance Plan. California license #0B84564. IA License #2002515. In NY: NCMIC Insurance Agency. In MI: NCMIC Insurance Services Agency, Inc. The plan is sponsored by and for members of the National Business Association for Chiropractors (NBAC).
The DC Term Life Insurance Plan is not available in Alaska or New Hampshire.
Group Insurance coverages are issued by The Prudential Insurance Company of America, a Prudential Financial company, Newark, NJ.
1092797-00001-00