“When we, as adults LGBTQ+, we made the decision to enter a relationship and start a family, it is not always with the support of our own family.” That is a moving statement that will resonate with many people.

This vision came from Mylin and Sk Stokes Kennedy, who are married and raise their family mixed in southern California. The couple appeared in the sixth season of “Black Love”, where they opened about the challenges of cultivating their association and raising three children.

We are delighted that they have agreed to return to work with us this year to spread the message about the importance of life insurance.

Life insurance? You can ask: “Where does that come in all this?” Well, it can be more important than most people think, so keep reading while we chatting with Mylin and Sk.

Life happens: When is the first time both listened to life insurance?

Mylin + SK: We familiarize ourselves with that after getting married, but we didn’t understand it until we were pregnant with our first child together.

LH: Why each of you decided to buy life insurance?

Mylin + SK: We realized that we did not want the other, or our children, to suffer financially in the midst of mourning if, or when, something happens to us.

LH: What type of coverage do both have and why?

Mylin + SK: We currently have term life insurance. When investigating, we discovered that it was the least expensive option for us.

LH: Why should everyone have life insurance, especially LGBTQ+adults?

Mylin + SK: When, as adults LGBTQ+, we make the decision to enter a relationship and start a family, it is not always with the support of our own family. So, if something happens to us, there is the possibility that our wishes are not retained by the surviving family. The wills can be disputed, the things extracted. With life insurance, you can make sure your partner and children receive what they want to do so.

LH: Have you had conversations about life insurance with your family or friends?

Mylin + SK: Yes, we have been born with both. With our mothers as the most important due to what positions you can leave us if they do not have life insurance.

LH: What was one of those conversations like?

Mylin: Then, I discovered that my mother had a very small policy through her work that had less than $ 10,000, which does not cover its funeral costs. That led us to look for an adequate policy that covers its funeral costs (my mother knows a lot Of the people, so it will be great, and we will need funds), invoices/debt, mortgage, note of your car. There is so much that I don’t want to fall on my brother and I or I have to create a gofundme and beg people for it. I just want it to have already been solved.

LH: What does life insurance mean for you?

Mylin + SK: For us it means security and tranquility, knowing that if something unfortunate happens to any of us (or both), our children will be treated.

LH: What do you want more people to know about life insurance?

Mylin + SK: We want people to understand the gravity they had. The amount of pain and stress that deals with financial struggles after losing a loved one can be and that we can do something about it now. We only need knowledge and awareness that it is not a huge and expensive monthly bill.

LH: What research findings of our 2024 Insurance Barometer study (Life occurs and Limra) is more interesting?

Mylin + SK: I was interested in seeing that 62% of the people who said they do not have life insurance also feel they need it. The desire is there, they only need more knowledge. Therefore, there is an opportunity there to get the knowledge they need to take the next step.

LH: We agree, and that is really our mission!

Mylin + SK: And after 22% of the people who have it say they need more. I feel that we land in that 22%. We have had life insurance for approximately five years and pay $ 83 per month for all our policies, which includes $ 150,000 policies for each of us as parents and policies of $ 15,000 for each of our three children.

Our goal is to increase up to $ 500,000 of coverage as parents because we want our children to have funds for future education, but do not pay bills and debts. So, we even know that there is room for growth and to receive more knowledge. That’s why we like to partner with all of you. It motivates us to dig a little more and get more knowledge, and also to share it. Because we know that more people need it.

Begin

Do not allow you not for sure how much or what kind of life insurance buy prevents you from obtaining coverage. To start, you can make a quick calculation with our life insurance needs calculator to have a general idea of ​​how much you may need. And if you want help to choose the right type of policy that fits your budget, you can speak with an insurance professional at no cost or obligation. If you do not have someone to work with, you can use the Life Oction agents locator here.