I Am a Life Insurance Policy

I received this one-page description of permanent life insurance titled “Just a Life Insurance Policy.” The original author is unknown, but it appeared by the style and wording to have been written some time ago, but is still relevant today. I wanted to share it with you.


I am a piece of paper, a drop of ink and a few pennies of premium.

I am a promise to pay.life insurance policy

I help people see visions, dream dreams, and achieve economic immortality.

I am education for the children.

I am savings.

I am property that increases in value from year to year.

I lend money when you need it most, with no questions asked.

I pay off mortgages, so that the family can remain together in their own homes.

I assure people the daring to live and the moral right to die.

I create money where none existed before.

I am the great emancipator from want.

I guarantee the continuity of business.

I conserve the employer’s investment.

I am tangible evidence that a man is a good husband and father, and a woman a good wife and mother.

I am a declaration of financial independence and economic freedom.

I am the difference between an old man or woman and an elderly gentleman or lady.

I provide cash if illness, injury, old age, or death cuts off the breadwinner’s income.

I am the only thing that you can buy on the installment plan that your family doesn’t have to finish paying for.

I am protected by laws that prevent creditors from assessing the money I give to your loved ones.

I bring dignity, peace of mind and security to your family.

I supply investment capital that makes the wheels turn and the motors hum.

I guarantee the financial ability to have happy holidays and the laughter of children – even though father or mother is not there.

I am the guardian angel of the home.

I am life insurance.

by Marvin H. Feldman

Marvin H. Feldman, CLU, ChFC, RFC, is president of the Feldman Financial Group in Palm Harbor, Fla., and president and CEO of Life Happens. He is a 41-year Million Dollar Round Table member and was the 2002 president. He is a 33-year member of the MDRT Top of the Table and a past Top of the Table chairman. He also is the recipient of the 2011 John Newton Russell award, the highest honor bestowed on an individual by the insurance industry.

  1. I believe I have seen this somewhere before but I think we all need reminding of this – not just the younger agents. Thanks for sharing.

  2. I one ever complains about the gift of life insurance,
    They just praise you for thinking of them at a difficult time.

  3. This is a great post, I’m a huge fan! I was curious if you could give me some advice? I’ve been wondering about IUL. What do you think of IUL vs 401k? I found some good information on Indexed Universal Life Insurance at a blog called DaveLife and it seems to be something that could really benefit me.

  4. This clearly explains what is life insurance and its importance to every individuals. Good job!

  5. I am a girl from China, the first time in this summer, heard about this poem, now with help, finally find you in Blog, i was so impressed and touched , with tears in eyes.

  6. Marvin –
    I enjoyed reading this note and would like to provide it to all of my financial clients, as a gift, which they may provide to their family members, friends, employees, civic members & religious organizations.
    NYL Baltimore

Leave a Comment

Start planning your LIFE today Close