As a life insurance professional, I often work with individuals navigating life’s transitions, and divorce is one of the most challenging. It’s a time of emotional and financial upheaval, where decisions made today can affect families for decades. My role is to help ensure that women and children aren’t left vulnerable and that financial obligations are met, even in the face of life’s uncertainties.
One statistic I always share with clients is that 1 in 12 children will lose a parent before they turn 18. For families navigating divorce, this risk carries profound implications. When a divorce decree includes child support or alimony, that financial obligation doesn’t vanish if the supporting parent passes away. Life insurance can bridge this gap, ensuring that children continue to have the financial resources they need to thrive.
I’ve seen this play out more times than I can count. One client, a mother of three, worried about how she would maintain her household if her ex-husband—who was responsible for child support and a portion of college savings—could no longer provide. Through a carefully structured life insurance policy, we ensured those obligations would continue regardless of what life brought. For her, it meant peace of mind and a future where her children wouldn’t lose their opportunities.
Then there are the women who find themselves restarting later in life. Without their partner’s income or retirement savings, many face an uncertain financial future. That’s where annuities come into play. While I never name names, I’ve worked with women who used annuities to rebuild stability after divorce, creating a guaranteed income for later years. It’s about making sure they don’t just survive but thrive, even in retirement.
Divorce isn’t just about dividing assets—it’s about redefining futures. Life insurance and annuities are tools that help families navigate the unknown, offering security and stability when it’s needed most. Whether it’s ensuring children are cared for or creating a financial foundation for a new chapter, these solutions give my clients something invaluable: confidence in the road ahead.