If you've been meaning to get life insurance for more than six months and still haven't, you're not alone. In fact, you're in the majority — even among people who understand its importance, know they need it, and have the income to afford it. The delay is almost never about the money. It's about psychology.
Optimism bias is the most well-documented culprit. Humans are wired to believe bad things are more likely to happen to others than to themselves. We accept intellectually that 1 in X people die prematurely, while simultaneously feeling certain we won't be that person. Insurance requires acknowledging the possibility you'll be wrong about that — and that's uncomfortable.
Decision fatigue and perceived complexity play a big role too. Insurance feels like it requires research, comparisons, phone calls, paperwork — a project, not a quick decision. In the era of one-tap everything, a multi-step process feels disproportionately heavy.
The solution isn't more information. Most people who put off insurance already know enough. The solution is reducing friction. Our quiz takes 2 minutes. You get a specific recommendation. You don't have to compare 25 plans in a spreadsheet.
If you've been reading this blog and still haven't taken the quiz at the bottom — this paragraph is your prompt. The information gap isn't what's stopping you. Close the browser at the quiz page, not before it.