How to Talk to Aging Parents About Life Insurance Without Stress
It's one of the most important conversations you'll ever have—and one of the most awkward.
Talking to your parents about life insurance can feel uncomfortable, but it's often the kindest thing you can do for your family.
Here's how to approach it with care.
1. Start with a Question, Not a Pitch
Try asking:
"Have you made any plans for your final expenses?"
"Would you want help making those decisions?"
That keeps things respectful and avoids sounding like you're trying to sell them something.
2. Focus on Their Legacy and Their Control
Let them know life insurance isn't about death—it's about keeping them in control of their legacy and taking pressure off the family.
3. Offer to Help, Not Push
If they're open, you can even offer to look at quotes together or share a resource.
Sometimes just knowing someone has their back is all they need to take the next step.