Why every working mother needs short-term insurance to safeguard her family's future
Between school runs and Zoom calls, working mothers often carry the weight of their households – but one critical piece of protection is often overlooked: short-term insurance.
Image: Unsplash
Between bustling school runs, packed work meetings, and the nightly ritual of settling children into bed, today’s working mothers have become master multitaskers.
They navigate the delicate balance of caring for their families and pursuing their careers with both strength and grace. Yet, amidst the whirlwind of responsibilities, an essential question often gets lost in the shuffle: Who’s protecting you?
Life has a knack for throwing unexpected challenges our way. Imagine facing a sudden car accident that deprives you of your only means of transport, or experiencing the devastation of a fire that destroys your home and everything inside it.
Would you have the means to recover quickly and maintain your family’s stability?
“This is where short-term insurance plays a critical role,” explains Serona Johnson, a Short-Term Insurance specialist at Consult by Momentum.
According to Johnson, working mothers frequently serve as the emotional and financial backbones of their households.
However, without the right safety nets in place, even a single unfortunate event can undermine years of careful planning and hard work.
“Insurance doesn’t prevent life from happening,” Johnson clarifies, “but it can ensure that when those life events do occur, they don’t set you back significantly, both financially and operationally.”
Four compelling reasons for working mothers to embrace short-term insurance
Johnson outlines four indispensable reasons why short-term insurance should be an integral part of every working mother's financial plan:
- Your car is your lifeline: For many mothers, a vehicle represents more than just a mode of transportation. It is crucial for navigating the daily demands of school drop-offs, grocery shopping, and client meetings. Comprehensive car insurance provides coverage against accidents, theft, or damage, ensuring you’re never left stranded at a critical moment.
- Your home holds your world: Household contents insurance is essential for protecting the belongings that make your house feel like a home. From must-have appliances to cherished family items such as electronics and your child’s beloved tablet, losing these valuables to theft or fire can lead to emotional distress and endless administrative hassle amidst an already hectic lifestyle.
- You carry more than just a handbag: In today’s digital world, your phone, laptop, smartwatch, and even your handbag are not just accessories; they are tools essential for staying connected and productive. Johnson advocates for portable possessions insurance, which protects these vital items, particularly when you’re on the go.
- Cover that flexes with your budget: Short-term insurance isn’t a one-size-fits-all solution. “You can tailor your coverage to suit your lifestyle and budget, making it both flexible and affordable,” Johnson states, emphasizing that it is accessible to a wide range of families.
IOL