Insure Your Life

Tuesday, December 04, 2012

Today I'm going to talk about a subject that may not seem very glamorous, yet it is something every intelligent woman needs to think about: insuring your (and your spouse's) life. Here on Fashion-isha we talk about living our best lives, and I know that you, dear readers, are all vital and important women. We are the mothers, wives, sisters, daughters and friends of countless people. No matter what we "do", we are the first and foremost caregivers of those nearest and dearest to us...we are CEO's of our homes and families, and we have immeasurable value in our roles.

Sure it's fun to focus on the 'pretty' aspects of life. We love to dress ourselves and our family members and we make sure our homes are well stocked and pretty to boot, but we also manage all the little, perhaps mundane, yet completely necessary little details of our family's lives. And if you work outside the home, then your job is even more complex.

But there is one area that not too many of us really take the time to think about, yet it is probably one of the most important ones: Insuring our lives. When you hear the word insurance your first reaction is probably...yawn...boring! But do you realize that if G-d forbid anything would happen to you or your spouse how terribly difficult life would become for your family? Okay I don't mean to be morbid here, but you manage everything else, why not take a moment to really think about this very important aspect of you life. Ladies, don't assume your husbands are taking care of this!

Perhaps the thought of meeting with an insurance agent may seem daunting, but what if you could discuss all your options with a thoroughly knowledgeable, like-minded, woman just like yourself? Someone who gets your lifestyle and will understand your needs based on your personal details and financial abilities? Well, Rochel Robbins is such a woman.

Recently I had the pleasure of becoming friends with Rochel. She is a fashionable young woman, just like you, who is also an insurance agent. And she wants you all to know how easy and affordable it is to take that little extra precaution that can save you and your family from unnecessary financial tragedy, G-d forbid.

Rochel was kind enough to guest blog here and tell us a little about what her philosophies are, what she does, and how she can help you meet all your insurance needs. Rochel writes:

    "As I sit here folding up skirts that I no longer wear and pack my boys “almost new” coats into huge shopping bags to be sent to families affected by the storm, I am forced to reflect on how vulnerable we really are.  As women, we like to feel “in control,” particularly when we step out in public.  We delude ourselves into thinking that “WHAT IF” will not happen to us.  Yet in the blink of an eye, everything can change.  My last season’s clothing and my boys’ set aside coats may become the very foundation of some other family’s wardrobe because of circumstances that were beyond their control.  
In my line of work, I have the privilege of helping others.  I tend to think of myself as an insurance advisor instead of an agent, because I help people be proactive and empower themselves so that they will have peace of mind in the event that a curve ball is thrown their way.  Unfortunately, all too often the fashion forward women in our community, who are frequently professionals in their own right, with the savvy street smarts and inherent wisdom of experience, are completely ignorant of their insurance needs or of what their insurance policies provide.   Ladies, I beg of you.  Just as you make sure to schedule your children’s well-visits and your yearly physical exam, schedule a once yearly insurance review with an insurance advisor.  Your lives are constantly changing and so are your insurance needs.  
The homeowner’s policy that you bought ten years ago has not been updated, yet you invested tens of thousands of dollars in a new kitchen or bathrooms.  And what about your cheap off the internet auto policy?  Did anyone take the time to explain to you that  carrying state limits for liability will not allow you to live with yourselves if “WHAT IF” happens and people are injured in an accident?  Accidents happen, they are beyond our control.  But our ability to deal with the “WHAT IFs” is, to a certain degree, in our hands.  I would be remiss if I did not mention the most important protection that every parent must have—life insurance.  From the moment we bring our children into this world, we have a responsibility to make sure that they will be provided for if “WHAT IF” occurs.  Ladies, your contributions to your family’s lifestyle are of great value regardless of whether or not you work outside your home.  Don’t underestimate yourselves.  Life insurance can never replace the loss of a loved one, but it can help ease a family’s pain and recovery. 
And so, as I sit here empathizing with those who are affected by the storm and try to do my part for the recovery effort, I hope and pray that all of those affected should have a speedy recovery.  None of us should ever have to know the pain of “WHAT IF.”  Our biggest concerns should be about the accessories, clothing, menu planning, and home decorating tips that are shared with us by Fashion-isha.  So as we continue to enjoy our little guilty shopping pleasures and thank Hashem for all of those things we tend to take for granted, we need to be proactive.  We need to make sure that we have the right insurance coverage, in the right amounts, so that “WHAT IF” happens, we and our families family will still have peace of mind."

So there you have it. Don't wait! Call (410-602-7723) or email Rochel now to set up your personal appointment. You will love speaking with her as I have. Rochel is licensed in both Maryland and New York and travels regularly to New York to meet with women just like you. She is also available over the phone, and can get you the best rates on car insurance as well!

Contact Rochel:
Rochel Robbins 
Associate Agent - Nationwide Insurance 
1866E Reisterstown Road 
Pikesville, MD 21208 
Work Phone: 410-602-7723 
Fax: 410-602-5247 

Thanks for reading this!
Until next time,

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  1. Great post, and I must say that I love the new look of the site ;)


  2. Good afternoon Sharon!

    Well this topic is of importance not to just the younger group of women with children but for my age group of women with no children who have husbands whose work is the main flow of income! THANK YOU for this reminder to be MINDFUL of the other aspects of our lives that reality never overlooks. I have to wonder what I would do if something happened to him...thank you. Anita

  3. Thanks for posting this. i plan to look into a policy next year!

  4. very right topic! agree on each point!

    Inside and Outside Blog
    P.S. I'm hosting a glasses giveaway on my blog here check it out!

  5. Oh, I was just thinking about this the other day. I totally need to get life insurance. The ex always had it but I want to be able to leave my kiddos something. Thanks for the nudge to stop slacking and get on it! xo

  6. It can be so difficult to think of these details in life. I am a widow; my husband had heart problems starting at age 40! When he wanted to get more life insurance he was not able to be approved! It is never too early to protect your family! Thank you Sharon!


  7. Great post! We are definitely insured(even more important because we're a military family and hubby is always deployed).

  8. I am so happy you posted this. I have been pushing off looking into it for so long but today I had a long conversation with Rachel and she really opened my eyes and explained everything to me and iy"h I will be getting life insurance...
    I have seen first hand the benefits and how hard it is for family left behind without anything!

    Thanks sharon and thanks rachel!

  9. I am so happy you posted this. I have been pushing off looking into it for so long but today I had a long conversation with Rachel and she really opened my eyes and explained everything to me and iy"h I will be getting life insurance...
    I have seen first hand the benefits and how hard it is for family left behind without anything!

    Thanks sharon and thanks rachel!

  10. As soon as we found out we were going to be parents, Hubby and I got life insurance. Ever couple of eats we review it to make sure we are ready for the "what if's". We also have a will and trust-fund set-up for the kiddos. It was hard to think about the details that were needed but I kept reminding myself that I needed to do it for my children Hopefully the "what if's" will not but just in case....