Taking Care Of My Family

Mastermind Weekend 1/16

Hey there!

I'm Tina

I’m the owner of Carrots ‘N’ Cake as well as a Certified Nutrition Coach and Functional Diagnostic Nutrition Practitioner (FDN-P). I use macros and functional nutrition to help women find balance within their diets while achieving their body composition goals.


An in-depth, 4-week reverse dieting course for women who feel like their metabolism has slowed down, think they might have hormonal imbalance and can’t lose weight no matter what they do.

This post is sponsored by Haven Life but opinions are my own.

You guys know I’ve been busy lately. I’m running three businesses, all while parenting and helping to manage our household. Every morning I wake up with a To-Do list a mile long, which often makes prioritizing what needs to be done first rather difficult.

A lot of the time it seems like everything is important, but when I step back from the madness, it’s the two (well, ok, three) sweet boys that live with me who are most important. Mal and Quinn (and Murphy) are the reasons that I work so hard and run around like a chicken with its head cut off. I want to make sure I can take care of them the best I can.

I know I don’t usually blog about financial topics, but I’ve recently learned firsthand how important it is to talk about life insurance (despite how unpleasant it is to think about). I mean, you’re talking about what would happen to your family if you passed away. But, it’s important to have a backup plan. If I wasn’t around, we’d be in a very bad financial state, and the last thing I want to happen is add money-stress on top of loss. Sure, Mal has a good job and we have a good nest egg in savings, but with our mortgage, child care, college tuition on the horizon, plus other expenses, life would become much more difficult for my family.

Purchasing life insurance might seem like a daunting task, but new online options like Haven Life, are designed to simplify the life insurance process for busy families like mine. I’ve worked with Haven Life a number of times over the years (you might remember my past blog posts), and I trust them a whole lot as individuals and because I know they care about their customers.

Many people, myself included, put off buying (or even thinking about buying) coverage because of a number of misconceptions:

  •      It’s expensive – Term life insurance is actually quite affordable. A 20-year, $500,000 policy starts at about $21 per month for a healthy 37-year-old woman. Pricing could be more, of course, if you have any health conditions.
  •      It’s time-consuming – It used to take several weeks to apply for coverage and get a decision. With Haven Life, you can find out immediately if you’re approved for coverage, and, if so, start it that day. In some cases, a medical exam isn’t needed to finalize coverage, which is based on health information in your application.
  •      It’s challenging to choose the right coverage amount –  You don’t need to be a financial expert to make smart money decisions for your family. I’m certainly not, but I appreciate being able to access smart tools online. Haven Life offers tools like an online life insurance calculator which can take a look at your family structure and financial situation and provide you with a recommendation for coverage.
  •      Only one spouse needs it – Both partners need coverage, even if you don’t technically earn a salary. If someone depends on you in anyway, you need life insurance. For example, if you’re a stay-at-home parent and something were to happen to you, childcare costs are very expensive for a spouse to take on solo.

Mal has had a life insurance policy for many years now, and it took several weeks and plenty of paperwork for him to get covered. As people who prefer digital experiences, that’s not exactly up to par with our expectations these days. That’s why Haven Life, on the other hand, offers the best of both worlds. They’ve made the whole process easy, and they’re wholly-owned by MassMutual, so you get the convenience of buying online, and the confidence of purchasing coverage from an established insurer.

And you’re probably wondering: What about my coverage? Because of my preexisting condition (ulcerative colitis), I’ve been denied again and again. Prior to my ulcerative colitis diagnosis, I was the healthiest person you’d ever meet. It totally came out of the blue, and it really can happen to just about anyone. If hadn’t put off buying a policy, I would have the coverage I needed before being diagnosed. Hindsight is 20/20, and now I truly understand the importance of not putting off important financial decisions. I really wish I knew about the importance of life insurance because now I don’t feel like I’m fully taking care of my family with regard to our finances.

At the end of the day, life insurance offers peace of mind that our families will be financially protected if we’re no longer around. I definitely don’t want to leave my family without a financial safety net, which is why Mal and I must seek other ways of saving for the unexpected. I don’t want you guys to learn the hard way, so please don’t put off buying coverage if you know you need it. My friends at Haven Life have made the process simple and not overwhelming, so you can easily check it off your mile-long to-do list.

Haven Term is a Term Life Insurance Policy (ICC15DTC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 and offered exclusively through Haven Life Insurance Agency, LLC.



  1. I’m only 27, but I’ve had life insurance since I found out I was pregnant with my first son at 21; I just didn’t want to take any chances. Like you said, no one likes to think about that, but building a safety net for my two boys is much less stressful than thinking about what would happen to them if I were gone and they didn’t have it! I was very lucky that I had financially savvy parents (much like you and Mal) to impress the importance of things like savings and life insurance, so just know that growing up in that kind of environment is going to save Quinn A TON when he’s older. He’ll be able to look to you guys as an example of how to properly plan and take care of himself (and way off in the future, his own family) financially. So kudos to you guys!

  2. My husband and I have had life insurance since we got married, and also every other form of insurance possible – we are risk takers but not when it comes to health! If it wasn’t for him I would have never even known about life insurance so it’s great you are sharing!

  3. Ugh, it’s so unfair that you keep getting denied! I wish that wasn’t how things worked in this country–you can’t help being sick, and you do everything you can to take care of yourself! I was warned before I donated my kidney to get in on some sort of life insurance plan, because donors are often denied too. (The hospital said they would help fight that, though. We’ll see what happens.)

  4. Being denied for pre existing conditions is so frustrating. I’ve always been a super healthy and active person, but 9 years ago I was diagnosed with ovarian cancer. I’ve been battling it ever since and have been denied for life insurance and all types of insurances time and time again. I work full-time and have a family, so I hate it that I can’t have this coverage. Thanks for the post! Love you and your blog!

  5. I actually sell life insurance in Boston for MassMutual. I tell young couples all the time the same thing. It is hard to talk to them about it without sounding morbid, but I always tell them you just get it and don’t have to think about it again. It is better than the alternative of not having it and then having to worry after something happens. We always insure the spouse even if they don’t work. If something were to happen to the homemaker, how would the surviving spouse take care of the kids or take any time off. MassMutual works with Individuals on a case by case basis and tries hard to insure everyone. If not, they reach out to the smaller companies who can help. Term insurance is pretty cheap, the premiums go up with age and sometimes they increase for people with pre-existing conditions. But you should always look into it before deciding that you can’t afford it or wont’ get approved.

  6. Tina, good on you for bringing up this topic! I always appreciate when you post about those less-glamorous but super-important things like budgeting, life insurance etc. Way to use your public platform for good.

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