Adults identifying as Black have the highest life insurance ownership rate of the four racial and ethnic groups in the U.S. that were surveyed by LIMRA. In January 2024, 58% of Black Americans had life insurance. Data indicates that Black Americans frequently buy more life insurance as a means of financial protection, sometimes driven by the necessity of higher mortality rates. Life protection is about making sure your significant other isn’t scrambling to cover funeral costs. It’s about your kids being okay if something happens to you. It’s about leaving something behind, not just memories. That’s why many of us lean towards whole life insurance; something steady, long-term, and built to support our families over time. For a lot of people, it comes from lived experience. Losing loved ones too soon. Seeing how quickly money can become a stress on top of grief. Wanting to break cycles and build something more secure for the next generation. Personal protection. It's love and legacy. ...