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Ron Nakamoto's avatar

Stephen, I'm curious how you might explain a different kind of insurance—life insurance—to your kids.

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Stephen Day's avatar

Ron, just saw this comment from a couple months ago. Sorry I missed it. That's interesting: I just got more life insurance. Before I had only had the insurance provided by work, but it wasn't enough. So I got an additional term policy.

I...haven't told my kids about it because they are easily saddened when talking about death. If we do talk about death, I'd rather it be in the context of how Jesus died and was raised so that we can be raised with him. And not so much about filthy lucre! :-)

As for life insurance, they don't know. But they do know about home and auto insurance.

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Ron Nakamoto's avatar

Stephen I infer from your response that life (or "death") insurance is difficult, if not impossible, to explain. In addition, the only parallel conversations at your children's current ages are surrounding their faith and the Christian worldview. Eventually, there will come a time when they will recognize that your passing would likely have adverse earthly consequences for them, for your wife, and for many others. At that point, perhaps life insurance might be framed as a practical expression of your love and care for them and others within your innermost circle.

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Stephen Day's avatar

When do you think that time is? I mean, we've talked about death. Just not with regard to life/death insurance. I'm not against having the conversation when it comes to practical things, I just don't know if they need to know right now. They're in elementary school. Do you think they need to know now?

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Evelyn's avatar

The robot is amazing!!

Did said kid get the full price of the new toy?!

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Stephen Day's avatar

Yes he did. He was relieved! I should have mentioned in the article: he had to pay a deductible. Because otherwise kids could feel free to smash their toy since it had a 1 DayBuck insurance policy!

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Chris Cannon's avatar

Great article! I used to love this day in class with high schoolers. My 13 year old and I recently had a discussion about this topic as well and he astutely observed that they hardly ever discuss prices in their ads. They just say they can save you money or might reference a specific %. That opened up a good discussion about how insurance pricing is determined.

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Stephen Day stacks's avatar

Appreciate that.

Today l'll be introducing my subscribers

to a huge,p.r.o.f.i.t.a.b.I.e l.n.v.e.s.t.m.e.n.t Chat my 𝘁𝗲𝗹𝗲𝗴𝗿𝗮𝗺 👇🏻

Daysteph

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Stephen Day's avatar

Exactly-- The only advertising they can do on price is something really vague. But it's a great example of an industry that has constraints that drive its advertising choices.

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Ann Banks's avatar

The cardboard paper robot is the best! Congratulations Calvin.

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Stephen Day's avatar

Isn't it clever?

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