Love Is a Verb (and Sometimes a Policy)

When we think of Valentine’s Day or anniversaries, we usually think of rose petals, fancy dinners, or heartfelt cards. But if you really want to say "Be Mine," nothing speaks louder than a life insurance policy.

It’s not the most romantic gift, but it is arguably the most selfless one. Insuring your love is the ultimate romantic gesture.

Life insurance isn't actually for you; it’s for the people who mean the world to you. It’s a promise that stays in effect even if you aren't there to keep it yourself.

• Security Over Stress: It ensures your partner can stay in the home you’ve built together.

• A Future Guaranteed: It protects your children’s tuition funds and dream careers.

• Debt-Free Mourning: It covers final expenses and outstanding loans, so your family can grieve without a calculator in hand.

  

We often think of life insurance as a "worst-case scenario" tool, but it's really about protecting the best-case scenario: your family continuing to live the life you’ve worked so hard to provide. Whether it's mortgage payments, grocery bills, or soccer practice fees, insurance keeps the "everyday" moments running smoothly.

"Life insurance is the only gift that provides 100% certainty in an uncertain world."

The greatest act of love is preparation. Buying a policy isn't just financially savvy—it’s a testament to your commitment to your family's long-term peace of mind.

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. Please subscribe to this blog!

Children Love Life Insurance

When we think of things children want, it's usually a toy or some other "fun" item. And kids will get that item, play with it for a while and soon it becomes part of a pile of toys that sits in the corner, only to be played with occasionally. 

One thing that a child does love is stability. Not having to worry about bills and other "grown up" issues are what makes being a kid joyful. And when tragedy strikes life insurance offers that stability. Being able to stay in the same home, having the same routine and doing all the fun things that go with "growing up" like hanging out with the same friends and summer camp help a child tremendously.

And children know when there is stress, financial and otherwise, in the household. That stress can result in poor school performance, low self-esteem and other issues. Life insurance can alleviate much of that stress and lead to a much happier and adjusted child.

Kids don't love life insurance because of the paperwork and riders. They love it because of the promises kept. And that promise is that their home and future is non-negotiable. Make that promise to your kids with a life insurance policy.

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. Please subscribe to this blog!

Which Problem Do You Think Needs To Be Solved?

Let's assume for a moment that you had "purchase life insurance" on your list of "things to do in 2025" but you put it off and forgot about doing it. Now it's 2026 and, unfortunately, you are dead. There's no life insurance to pay out and your family (or business) is in financial trouble. Monthly bills need to be paid. Since you were either the main breadwinner, that lack of income is becoming consequential. 

Of course, there are other problems as well. There's the issue of your funeral cost and perhaps even medical bills that came with your demise. Assuming you went quickly, your family may be facing a hospital bill for the ER, but on the other hand, you could have been sick for months, racking up expenses until you meet your medical insurance "out-of-pocket" limits. 

Finally, if you are leaving behind children, their education costs could be at risk. Not to mention any other future "milestones" you may have planned, like paying for a daughter's wedding or helping your spouse start their "dream business". 

Of course, if you're reading this, it's not too late to get started. We make it easy for you in two ways. You can visit our site and get a quote* for yourself without an agent helping you, or you can schedule a short phone call and we'll run a quote for you. 

Let us help you mark one very important item off your 2026 "to do" list.

*Quotes are only estimates and rates are subject to underwriting. 

Chris Castanes is the president of Surf Financial Brokers, helping people find affordable life and disability insurance coverage. He's also is a professional speaker helping sales people be more productive and efficient and has spoken to professional and civic organizations throughout the Southeast. Please subscribe to this blog!