Who Actually Needs Life Insurance? (Spoiler: It’s Not Just Straight Couples with Kids)

jbstevenssfg
Aug 6
2 min read

Let’s start with a little truth bomb: Most people think life insurance is for married, straight couples with 2.5 kids, a golden retriever, and matching bathrobes.

But here’s the thing—that’s not most people. And it’s definitely not all the people I serve.

I’m Jeremiah—your favorite Daddy Bear Insurance broker—and I’m here to help real people protect real love in all its forms. That includes queer folks, single parents, self-employed creatives, chosen families, and fabulous people who just want to plan ahead.

So, who actually needs life insurance?

🏳️‍🌈 LGBTQ+ Individuals & Couples

If you’re in a relationship (married or not), share expenses, or just don’t want to leave your partner scrambling—you need coverage. Life insurance for same-sex couples and nontraditional families is about protecting love, not just checking boxes.

“I’m not married, but we’ve been together 12 years and own a home together.” Baby, you’re married in every way that matters. Let’s protect that.

👨‍👦 Parents—Biological, Adoptive, or Bonus

If you’ve got a child who calls you Dad, Mama, Zaza, or just yells when they’re hungry—you need life insurance. Even small, affordable life insurance policies can help cover:

Childcare costs
Housing and education
Therapy (because let's be real, parenting is wild)

Don’t wait until you “feel adult enough.” You’re already the adult.

💼 Self-Employed or Freelance Workers

If you own your hustle, your hustle should protect you. You don’t get workplace benefits or HR policies—but you do get to choose a custom policy that fits your real needs.

And yes, there are life insurance plans for freelancers and queer entrepreneurs that don’t break the bank.

🧾 People With Debt (So, Basically Everyone)

Student loans. Credit cards. A car. A house. A personal loan from Aunt Tina (with interest because she’s salty).

If you pass away without coverage, your loved ones may still have to deal with your debts. Let’s avoid that.

💞 Anyone with a Chosen Family

Not everyone’s next of kin is a blood relative. For many in the LGBTQ+ community, chosen family is everything. And life insurance lets you say, “I got you,” to the ones who’ve always had your back.

You can name anyone as a beneficiary—your best friend, your partner, your dog’s new guardian. No questions asked.

💡 Still Not Sure If You Need It?

Ask yourself this: If something happened to me tomorrow, would someone else be financially impacted?

If the answer is yes—you’re probably someone who needs life insurance.

🐻 What Makes Daddy Bear Insurance Different?

I work with over 80 A+ rated carriers to find you the best options at prices that make sense. More importantly? I lead with care. No pressure. No shame. No BS. Just honest conversations and real solutions for people like us.