Insurance Policies Every Family Should Have

Insurance Policies Every Family Should Have

Having experienced first hand the traumas of death and sickness this topic is dear to my heart. I hate to think about things I can’t control but the reality is sickness and death are a part of life and unfortunately we have no control how and when either of them can occur.

Having a growing family of my own I wanted to explore ways in which I can be prepared for when the inevitable happens.

No stranger to the topic, Rashad Moss  goes into great detail highlighting insurance policies that every family should have. With over 5 years  experience and a passion that goes beyond the contracts, Moss dishes out the why’s and when’s.

Life Insurance 

What haunts families the most is Death. The thing with death is you never know when it is going to happen and for families this is usually a sore topic. No one wants to think about their loved one dying and so the topic of Life Insurance is not always welcomed.

Life Insurance is the number one policy that ever family should have. Moss encourages persons, especially young parents to visit your nearest Insurance Agent and get the facts. Almost every family has a cousin that’s an insurance agent so I suggest you call them up.

According to Moss, not every policy is the same because not every family is the same and the purpose, though the end goal is to protect and provide for your family in your absence, is not the same either.

Reasons such as funeral expenses, college tuition or just leaving funds for your loved ones so they can continue to live in comfort are just some of the few reasons Moss listed as  important for having life insurance.

Sadly,Moss confirmed that poverty increases drastically for your loved ones if you don’t leave certain provisions in place.

Moss wants to stress that young men, especially fathers are some of the hardest clients to get.  Men being  breadwinners for most families  do an awesome job when alive but sadly many horror stories tend to surface after death and many families tend to suffer in their absence.  Homes get repossessed ,kids have to come home from college, and the list goes on. Death is already a difficult and sometimes traumatic experience,the financial comfort of your loved ones should be the last thing they have to deal with after such an event.


You blinked and just like that it’s now time to retire. You get this awesome retirement party, cake, presents and awards! The kids are out the house and it’s now time to travel the world, you live happily ever after!

Moss explains that somewhere between 6 out of 10 families are not prepared for retirement.

This is a startling but a very true reality. So much for happily ever after.

But wait you’re getting contributions from National Insurance (assuming they have funds). Until you quickly realize that your contributions barely cover BPL.

Pension is equally as important to invest in as any other insurance and like most of them the earlier you start the better.

Moss explains that with a pension plan you won’ have to rely on welfare to finance your retirement years or depend on your children for living expenses. He also went onto explain that pension is one of the easiest retirement plans to get into where starting with as little as $10 is encouraged.

Medical Insurance

No one plans to get hurt or sick but medical care is needed at some point in our lives or another and Medical Insurance covers your finances from sickness and illnesses. The financial and emotional well-being of the entire unit is at risk when a loved one is in dire need of medical attention.  Moss explains though this would be an ideal insurance for a family to have the reality is for most families limited income and lack of assets make this sometimes impossible to attain.

Believe it or not according to,  children with insurance have better access to and use more health care services than uninsured children. The parents of insured children are also less likely to delay seeking care for their children for conditions that require it, and illnesses or conditions are not as severe when they do seek care. Uninsured children are less likely to receive important preventive services that can have beneficial long-term effects.


So there you have it.  Insurance that every family should have. Families come in all shapes and sizes and so not every policy will be the same. Nonetheless I really want to encourage my families out there to explore each of the policies and discuss the potential that it has to help protect and provide for your family. If you want to reach out to Rashad Moss directly click here and he will be more than happy to answer any and all questions.

Until next time…