Life can change in an instant. If tragedy struck your family today, would you be able to cover your mortgage, childcare, and other critical expenses without your spouse’s income?
September is Life Insurance Awareness Month, and local Farmers Insurance agent Chelsy Proehl-Kofoid, located at 2703 Hall in Hays, is encouraging families to have the hard conversations now—before it’s too late.
“In today’s world, most households rely on two incomes just to make ends meet,” said Proehl-Kofoid. “If one income disappears unexpectedly, the financial burden can be devastating—not just in the short term, but for years to come.”
Life insurance is more than a safety net—it’s a plan to help your family maintain stability during one of the most difficult times of their lives. It can help cover:
Funeral and final expenses
Rent or mortgage payments
Utilities and household bills
Childcare and school costs
Long-term financial stability for your children
“I’ve heard people say, ‘The community will help if something happens,’” Proehl-Kofoid shared. “And while that may be true, that generosity only goes so far. The reality is, your family needs a secure, personal plan to fall back on.”
Chelsy and her team at Farmers offer a unique approach to identifying how much coverage makes sense based on your family’s needs, your current budget, and your long-term goals. It’s not one-size-fits-all—it’s personalized peace of mind.
“Planning for the unexpected is a gift you give your loved ones,” said Proehl-Kofoid. “We’re here to help you make the best decision possible for your family’s future.”
If you’ve been putting off the conversation, now is the perfect time to talk. Stop by Chelsy’s office at 2703 Hall in Hays, or call to schedule a no-obligation life insurance review. A short conversation today could protect everything you care about tomorrow.