Who, Me? Muss Bury? Why You’re Fooling Yourself About Life Insurance

Who Will Protect Them? It’s Not Just About You
Published by Unscripted Lens
November 30, 2024

Let’s be real for a second. You’ve probably said or heard it before: “Who me? Muss bury? Nah, mi good!” But here’s the truth—life nuh sure. And while you’re busy convincing yourself that you don’t need life insurance, you’re putting your family at risk.

“What can go so?” Nothing can go so? Life is unpredictable, bredren. We have to stop acting like we have all the time in the world.

We’re quick to plan a big trip, buy the latest iPhone, or step out in the freshest Clarks. But tell me something: Have you planned for the one thing that’s guaranteed? The one thing we all have in common?

Yes, I’m talking about death. It’s not about “if” it will happen—it’s about “when.”

Why Are We Afraid to Plan for Reality?

We’re experts at showing love to our family—spoiling them with nice things, putting food on the table, and making sure they’re comfortable. But have we really set them up for life without us?

Picture this: something happens to you tomorrow. Who’s going to pay the mortgage? Cover the school fees? Keep food on the table?

It’s time to stop avoiding the hard truths.

“Mi Healthy, Mi Young”—So Why Worry?

Let’s reason. I know you’re thinking:

• “Mi young. Mi fit. Mi nuh need this now.”
• “Insurance too expensive.”
• “Mi nuh have pickney, so mi good.”

But the harsh reality is: none of us know what tomorrow holds. That’s why it’s cheaper—and smarter—to get life insurance now. Rates are lower when you’re younger and healthier. Plus, a policy can help with more than just death—it can protect your finances if you get sick or can’t work.

The Ultimate Act of Love

Imagine this: A father in St. Ann suddenly passes away, leaving behind his wife and three kids. While the family is grieving, the bills start piling up. Without life insurance, they’re left struggling.

Now, picture a different story. That same father had a life insurance policy. The payout helps cover funeral expenses, pay the bills, and secure the kids’ education. His family isn’t just grieving—they’re surviving.

This is not a hypothetical scenario. This is real. It happens every day in Jamaica. And it could happen to anyone.

More Than Death: The Living Benefits of Life Insurance

Did you know some policies come with living benefits? That means life insurance can help you while you’re alive.

Think about it:

• If you get sick and can’t work, your policy can help cover medical bills and other expenses.
• It’s like having a financial backup plan when life throws you a curveball.

Break the Cycle of Generational Poverty

Here’s where life insurance becomes more than a safety net—it becomes a tool for building wealth.

Many Jamaicans aren’t taught about wealth-building, but life insurance is a simple way to break the cycle of poverty. When you leave something behind, you’re giving your family a head start. Instead of starting from zero, they’re building on the foundation you’ve created.

We invest in name-brand clothes, but what about investing in our family’s future?

The Excuses We Need to Stop Making

Let’s address the lies we tell ourselves:

• “Mi nuh need it, mi nuh have pickney.” Even if you’re single, your policy can cover debts, funeral costs, or leave a legacy for someone you care about.
• “It’s too expensive.” You spend more on a Saturday night out than you would on a monthly premium.

Life insurance isn’t about you—it’s about the people who depend on you.

Ready to Take the Next Step?

Stop waiting. Stop putting it off.

• Assess your needs: Look at your family’s expenses and the future they’ll face without you.
• Choose the right coverage: Term life insurance is affordable and straightforward. Whole life insurance builds cash value over time.
• Get advice: A trusted agent can guide you through the process.

This Isn’t Just About Death. It’s About Life.

Life insurance is one of the most selfless, loving things you can do for your family. Don’t leave them struggling to figure out what’s next.

If you care about your loved ones, secure their future. Protect what matters most.

Ready to Get Started?
Complete the attached survey so we can assess your needs and start securing your family’s future today. Let’s work smarter, not harder. Because the future is coming—whether we’re ready for it or not.