Recently, Dolly Parton took to social media to clear up some rumors about her health. While some AI-generated images had people thinking the worst, she reassured everyone that she is not dying — and that while she’s managing some health issues, she’s not on her deathbed. Great news for all of us who love her.
But her announcement got me thinking — because I see this all the time:
Whenever someone hears about a health scare — whether it’s a celebrity like Dolly, a friend, or even themselves — their mind suddenly jumps to “Do I have life insurance?” or “Would my family be okay financially if something happened to me?”
It’s human nature to only think about these things when something goes wrong. But the truth is, the best time to think about life insurance is when everything is going right.
Why Timing Is Everything with Life Insurance
If you’re young and healthy, that’s the moment to lock in life insurance — especially term life.
Why? Because life insurance companies price your policy based on your current health, age, and risk factors. The younger and healthier you are, the lower your premiums. And that lower rate is typically locked in for the duration of the term — whether it’s 20, 30, or even 40 years.
Here’s what term life gives you:
- ✅ Affordable premiums
- ✅ High coverage amounts (enough to pay off debt, cover living expenses, or fund education for your kids)
- ✅ Long-term protection without breaking the bank
Once a health issue is diagnosed, your rates can skyrocket — or worse, you might become ineligible for certain policies altogether. That’s why pre-planning is key.
“But Wait… I Thought You Only Did Auto & Home Insurance?”
We get this a lot — and yes, we’re proud to serve the Greece, NY community with trusted coverage for auto, home, and small business needs.
But life insurance is something we offer to current clients as part of a well-rounded insurance plan. It’s not something we advertise heavily, but we believe in helping our existing clients protect everything that matters — not just their cars and homes, but their families and financial future too.
How to Know If You’re Covered Properly
You don’t need to be a financial expert to figure out if your life insurance is in good shape — just ask yourself a few simple questions:
- Do I currently have life insurance through work? (And would it be enough?)
- Could my family stay in our home if I passed away unexpectedly?
- Would my kids be able to go to college without financial stress?
- How much would it cost for my spouse or partner to take time off to grieve and reset?
If you’re a current client and you’re not sure about the answers, or you’d just like someone to walk you through it, we’re happy to help. We’ll look at your situation, explain your options in plain English, and help you decide what works best for your goals and budget.
Final Thought: Don’t Wait for a Wake-Up Call
Dolly’s okay — and we’re all relieved. But let her health update be a reminder that you don’t want to wait until something happens to start thinking about protecting your family’s future.
If you’re young and healthy, you have options now that may not be available later. So if you’re a current VanScoter Insurance client and would like to explore your life insurance options, just give us a call.
Serving the Greece, NY community with care and integrity — one policy at a time.
Not a client yet? Let’s talk auto, home, or small business coverage — and get to know each other first.
