How do I convince my mom to get life insurance?
My mom is a single mom and has raised me by her self for decades. We’re very close but lately due to our financial situation and her singleness she has been kinda down. I try to cheer her up and tell her I’m going to make more money for us to get out of our small apartment. I’m the main bread winner now and have been for years. I’m her only child so I feel responsible for taking care of her. I love my mom and I don’t think of her as a way to get more money. I would take a bullet for my mom.
However, I think of 5-10 years from now. How will her health look like? She’s in her 60s now and already has mild health issues but what if she suddenly gets sick or god forbids passes away I have no money to take care of a funeral or even a burial so how am I supposed to pay for that on my own? The financial burden scares me almost as much as losing my mom prematurely. I don’t know why she’s never brought it up about getting life insurance but since I am her only child and her only family left I feel like she should’ve brought it up and bought a policy to protect me financially when she’s gone. I feel like it’s pretty selfish for her to not do this and agree. However I have not brought it up formally and I’m afraid to because my mom is kinda paranoid from watching all those murder mystery shows and I don’t want her to think I don’t care about her but I’m thinking of our future and how I will handle this on my own it worse comes to worse.
How do I bring this up without her freaking out or getting upset? I need her to agree to it because I’m already struggling financially to support the both of us on my own as a single childless 30 year old who is going back to school. I don’t want to offend my mom but I want her to think of the repercussions of not having a policy on herself.
submitted by /u/SchoolGirl93
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