Being able to maintain your family’s lifestyle is the peace of mind we all seek. Life insurance is one of the purest acts of selflessness. You insure your home, your office buildings, you even insure your car. So why are Life insurance and Funeral cover taboo discussions when the people affected are those dearest to us?

There is a reason every second ad these days revolves around insurance, and Outsurance certainly dominates the pile with an enviable TV budget. However, even if purple and green is not your thing then there’re still many other highly reputable insurers to choose from. Affinity Insurance, Capitec, Liberty and Hollard are just a few of the insurers that display the perfect balance of professionalism and empathy when you need it most.

We’re not saying Life insurance is a discussion you need to have with your children, but it’s certainly one you need to have with your significant other.

There is no such thing as a perfect life, but there are perfect moments…

…The pensioners’ faces are deeply lined. They are in their mid-seventies now. But they are happy. This is made evident by the joyous fanning of laugh lines around their eyes. The gran gives a youthful giggle as a little boy playing just metres away from her takes a kick at a soccer ball, and misses. With the dramatic mountains of the Cape as her backdrop, she takes another sip of her sparkling wine. She has always believed in living life to the full and feels immensely grateful that she’s been able to do just that. And so too has her family. That is something that she and her husband have been uncompromising on.

Her daughter scoops up her grandson and walks towards her. The love she has for her daughter has been unwavering, and now this little chap to add to the family equation, and that love multiplies! It really couldn’t get better. They flop down on the picnic blanket alongside her, and her daughter takes a wet-wipe to the sticky sucker residue on her grandson’s face. Truth be told, her family have been through intensely emotional times when the husband, father and grandfather they all love, became critically ill. One of the reasons they came out unscathed, was thanks to a sensible Life Insurance and Critical Illness cover decision her and her husband made as young adults. She steals a glance at her companion of almost fifty years and instinctively places her hand on his knee. He’s the reason the lifestyle that they’re enjoying today has never altered. He’s their rock.

Life Insurance is a very broad term and it's not complicated when it's broken down, but it still remains something most of us are uncomfortable thinking about, let alone talking about. We squirm a little when we see the Life Insurance ads on TV – maybe even changing the channel; preferring to laugh at the latest instalment of Modern Family.

Whilst we’re not suggesting that Life insurance is something light-hearted, it certainly does bring a sense of security during dark times. It’s quite simply a necessity.

In the above scenario, if Jack hadn’t had the necessary cover, the picture-perfect family would not be able to run about with such carefree frivolity. His wife and young daughter were by his side when he was diagnosed with cancer. They were by his side when he could no longer work. They were the comfort and the strength he needed to make a full recovery.

His Life insurance, in turn, provided the peace of mind necessary to focus solely on regaining his strength. If the worst happened, he knew his family would be taken care of.

This father, and now the grandfather, falling seriously ill is unfortunately not the exception. In fact, Critical illness is non-discriminant and can impact on any family member.

It is widespread amongst women in South Africa, with some 60% of female claims being cancer-related.

This doting mother with the puffy-cheeked cherub sensibly discussed the matter. She and her husband have Life insurance in place to know that their first born (and the one on the way) will always be okay. They easily researched their insurance options with the likes of Affinity, Capitec, and Mutual and Federal via insurance.co.za before deciding on their best option, but they certainly don’t spend copious amounts of time thinking about their Life Insurance now. Life goes on, and theirs is filled with sleep training, occasional tantrums and Grade R soccer matches.

Then there’s the aspiring Man United player – the one that loves cherry-flavoured suckers. He may never play for his dream soccer team, or he may, but regardless he’ll be just fine.

Insurance.co.za is where you can easily compare the top life insurance and funeral cover insurance companies, including those that will ensure you don't mess up your funeral insurance. It’s more affordable than you think and more essential than you think. Get a life insurance quote today and then simply go about living your best, carefree life.