9 ways to scare your parents into paying for your life insurance


Adam Cecil

Adam Cecil

Former Staff Writer

Adam Cecil is a former staff writer for Policygenius, a digital insurance brokerage trying to make sense of insurance for consumers. He is a podcast producer, writer, and video maker based in Brooklyn, NY.

Published March 4, 2015|1 min read

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Why should young adults get life insurance? We’ve written articles about this before, but to sum it up: if your parents co-signed any of your private student loans, they’ll be on the hook for them if you die.

Parents see the wisdom in this, too, which is why some of them are taking out life insurance policies on their kids. Morbid? Maybe - but it also makes good financial sense. Life insurance policies for young, healthy people can be really cheap, starting as low as $10/month.

We’re not in the business of scaring people into buying insurance. We prefer to present the facts and explain the risks and let consumers decide for themselves. However, that does not stop you from sensationalizing the details and terrifying your parents.

To help you out, we came up with these easy tactics for scaring your parents into buying you life insurance:

  1. Casually bring up the details we discussed above to your parents. Then, bring up how much you still have left to pay off in private student loans. Repeat that number over and over again, slower and quieter each time.

  2. Find out the most common cause of death for young people in your city. Post articles about in on your Facebook every day, but change the audience so that only your parents see it. Leave comments like, "Sure hope this doesn’t happen to me!" and "Wow, scary to think about. :x"

  3. If you’re a musician, make a few off-color jokes about joining the 27 Club.

  4. If your name is Diane Young, joke about how close it sounds to dying young. Force your parents to call you Dying Young from now on.

  5. Other joke ideas: talk about how you went through your mid-life crisis in middle school; silently cry while looking through old photo albums, occasionally whispering "where did the years go?"; exclusively listen to Cat Stevens’ greatest hits.

  6. If you’re an athlete, get a portrait of Prefontaine tattooed on your arm. If they don’t get it, have "To an Athlete Dying Young" tattooed on your other arm. That should be pretty obvious and straightforward.

  7. Get your mom to join Pinterest. Pin nothing but death statistics to your account. Possible board names: "Stupid ways to die (but I still could die)," "Common ways people my age and gender kick the bucket (lol)," "Mom look how fragile my life is."

  8. Text your parents every few days venting about traffic. Pepper in the following details:

    • you’re currently driving

    • you’re not wearing a seat belt

    • your new phone is too big to type with one hand so you’re using your knees to steer while you talk to them

  9. Become a blogger for an insurance start-up and have your parents read all of your articles.

More ways to scare your parents?

We're always open to ideas. Leave your tips in the comments below.Photo: Mr. Nixter