Live Protected. Leave a Legacy...

Reese Riley
May 7
4 min read

The Real Power of Life Insurance

Let’s get real—life insurance isn’t just something for your parents or something you “get later.” It’s one of the most powerful financial tools available right now. Whether you’re the head of your household, a new parent, a business owner, or someone simply working hard to create a better future, life insurance can play a life-changing role in how you live today and how you leave behind something that matters tomorrow.

But too many people see life insurance as something morbid or only useful after death. The truth is—it’s much more than that. Life insurance is protection. It’s peace of mind. And, when done right, it’s power—to build, to grow, and to pass on the legacy you worked so hard for.

Why Life Insurance Isn’t Just About Dying—It’s About Living Fully

Imagine if the money you put into a life insurance policy could do more than just cover your funeral. Imagine if it could…

Help fund your child's college tuition.
Provide cash you can use during retirement.
Give you capital to start your dream business.
Protect your family’s home or lifestyle if something happens to you.
Serve as an emergency fund with tax-free benefits.

Sound too good to be true? It’s not. With the right policy, your life insurance can do all of that and more.

When you're the head of a family, the financial glue, or simply someone with goals bigger than your current income—you cannot afford to overlook the power of protection. Life happens fast, and the last thing anyone wants is to leave their family vulnerable, or their dreams unfinished.

Types of Life Insurance: What’s the Difference?

Understanding your options is key to choosing what’s best for your life and your legacy. Here's a quick breakdown of the most common types:

Term Life Insurance

What it is: Temporary coverage for a set period (10, 20, or 30 years).
Why it’s great: It’s affordable and straightforward—perfect for covering big responsibilities like mortgage or income replacement while your kids are growing.
What to know: There’s no cash value, and the coverage ends after the term.

Whole Life Insurance

What it is: Permanent coverage that lasts your entire life, with a guaranteed death benefit.
Why it’s great: It builds cash value you can borrow against or use later in life.
What to know: Premiums are higher, but you're investing in something long-term with financial benefits you can use while alive.

Universal Life Insurance

What it is: A flexible permanent policy with adjustable premiums and death benefits.
Why it’s great: It offers flexibility to grow your cash value and adapt as your needs change.
What to know: This one needs to be actively managed, but it's powerful for those who want to mix protection with strategy.

Ways to Use Life Insurance While You’re Living

Let’s break it down. Here’s how life insurance can support you and your dreams while you’re still here:
- Fund your business with a policy loan from your whole life or universal policy.
- Cover unexpected emergencies with tax-free withdrawals from your policy’s cash value.
- Supplement your retirement income later in life.
- Pay for college or help your kids launch their dreams.
- Create a long-term savings plan with stability and peace of mind.
This isn’t about having money you can’t touch. It’s about having access to funds that are protected, growing, and tax-advantaged—all while protecting your family.

Ask Yourself These Questions Before Buying Life Insurance:

If something happened to me today, how would my family maintain their lifestyle?
Am I building a financial legacy—or leaving behind financial stress?
Do I want my life insurance to simply pay out later, or help me build wealth now?
What dreams would I fund if I had access to tax-free capital?
What’s stopping me from getting covered?

From the Desk of Kimberly Stabler: My Personal Take

Life insurance changed the way I view protection, wealth, and responsibility. It’s not just paperwork. It’s a promise. A promise that no matter what happens, your family, your business, your dreams—they’re covered.

I believe deeply that protection is power. And when we protect what matters most, we’re free to live, to dream, and to build boldly. You deserve that security. Your family deserves that future.

Let’s have the real conversation. Let’s talk about living boldly, loving deeply, and leaving a legacy that outlives us all.

– Kimberly Stabler, CEO & Advocate for Protection + Legacy

Top 5 Myths About Life Insurance (And the Real Truth)

Myth 1: Life insurance is too expensive.

Truth: Term life policies can be less than the cost of your monthly streaming services. You can build protection without breaking the bank.

Myth 2: I’m young and healthy—I don’t need it yet.

Truth: That’s exactly when you should get it. Rates are lower when you’re young, and health is on your side. You’re locking in value early.

Myth 3: I already get insurance through work.

Truth: That’s great, but it’s not portable. If you leave your job, you leave your policy. You need coverage that you own.

Myth 4: Life insurance is only about death.

Truth: That’s outdated thinking. The right policy is a living, breathing financial tool that can help you build and protect wealth during your lifetime.

Myth 5: I don’t qualify because of my health or age.

Truth: There are options for almost everyone. Even if you’ve been turned down before, there are products designed to meet different health conditions or needs.