Blog - Roper Insurance Services

Should Parents Consider Life Insurance for Their Children?

9/23/2026

It's a question that comes up often among Hendersonville parents once the basics are covered: emergency savings in place, their own life and disability insurance squared away, retirement contributions on track. With those foundations handled, some parents start wondering whether it makes sense to take the next step and get life insurance on their child. It's not a simple yes or no, and the right answer depends heavily on what you're actually trying to accomplish.

Before deciding either way, it helps to understand what a child's life insurance policy can and can't do, and where the tradeoffs actually sit.

Common Life Insurance Mistakes Worth Avoiding

8/19/2026

Life insurance isn't something most people buy often, which means when the time comes to actually get a policy, there's a lot of unfamiliar territory to navigate. Unfortunately, that unfamiliarity leads to avoidable mistakes, some of which don't surface until years later when it's too late to fix them easily.

Whether you're buying your first policy, reviewing coverage after a major life change, or working through the details of a divorce settlement, a little upfront knowledge goes a long way toward making sure your coverage actually does what you need it to do.

Why Permanent Life Insurance Could Be A Smart Long-Term Investment

6/23/2025

When people think of life insurance, they often picture term policies—affordable, straightforward coverage that lasts for a set number of years. But there’s another option that offers lifelong protection and financial benefits beyond the death benefit: permanent life insurance.

While it may come with higher premiums, permanent life insurance could be a smart long-term investment for those seeking financial security, estate planning advantages, and cash value growth. Here’s a closer look at why this type of policy might be right for you.

Recharge & Thrive: The Power Of Prioritizing Your Well-Being

2/10/2025

In today’s fast-paced world, it’s easy to get caught up in the daily grind—work demands, family responsibilities, and endless to-do lists. But neglecting self-care can lead to burnout, stress, and even health issues. Prioritizing your well-being is essential for maintaining balance, improving productivity, and enhancing overall quality of life. By taking intentional steps to recharge both physically and mentally, you can thrive in all aspects of life.

The Art Of Effective Communication In Personal Relationships

12/9/2024

Effective communication is a cornerstone of strong personal relationships. It involves more than just talking; it’s about understanding, empathy, and connection. Whether with a partner, family member, or friend, clear communication can deepen bonds and prevent misunderstandings.

Life Insurance For New Parents: Securing Your Child's Future

11/11/2024

Becoming a parent is a life-changing event that brings joy along with new responsibilities. One of the most crucial steps you can take to ensure the well-being of your child is securing life insurance. This article provides new parents with essential information on how life insurance can help protect their child’s future, ensuring financial security in the face of unexpected events.

The Basics Of Life Insurance: What You Need To Know

7/15/2024

Life insurance is a contract between an individual (the policyholder) and an insurance company. In exchange for regular premium payments, the insurance company agrees to pay a specified amount (the death benefit) to designated beneficiaries upon the policyholder’s death. The primary purpose of life insurance is to provide financial protection and support to the policyholder's family or dependents.

How Life Insurance Can Be Your Safety Net

1/30/2023

Most of the time, discussing topics like finances, death, and debts is something you do not want to do. The fact that you are not discussing it does not mean that you are preventing it from happening. You cannot avoid it, but if you have a family that is financially dependent on you, life insurance is the simplest way to ease your worries.

Life Insurance And Cancer Survivors And Patients

9/6/2022

Although purchasing life insurance after a cancer diagnosis is difficult and expensive, you will most likely be able to do so. However, it would be best to consider whether the pricing and coverage options are appropriate for your financial circumstances. Cancer patients are usually only eligible for assured issue policies with limited coverage and payouts for the first few years.

Is YOLO Still A Thing?

6/20/2022

As we all know, YOLO stands for You Only Live Once. It essentially means celebrating life because you never know what the future holds. This holds even until today because of the pandemic. We have gone through many trials and tribulations in the past few years. These words are what most people think about because of the frailty of life, as proven by the Coronavirus.

However, is there a tendency to overuse this particular concept? Are some people trying to abuse the idea of celebrating life to its fullest? Has it lost its value and edge over other intrinsic and traditional beliefs in life?

We will answer these questions in the next paragraphs. If you want to learn more, please don’t hesitate to continue reading.

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Roper Insurance Services
118 E Caswell St
Hendersonville, NC 28792
(828) 697-6709
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