A Family Tradition of Security: Why Life Insurance and Annuities Belong in the Thanksgiving Conversation
November 10, 2025
Thanksgiving is about more than turkey and tradition. It's a time to gather, reflect, and express gratitude for the people who matter most. As families reunite across generations, these rare moments also open the door for meaningful conversations — including ones about protecting the future. That’s why life insurance and annuities deserve a seat at the holiday table. These financial tools aren’t just about numbers or paperwork — they’re about love, legacy, and long-term care for the people we cherish. Life insurance isn’t something we buy for ourselves. It’s something we do for others.
Why the Holidays Are the Right Time To Talk About Financial Security
Thanksgiving offers something special: time. Between the football games, pie, and family stories, there’s space for conversations that often get pushed aside in the everyday rush. This season naturally inspires reflection — not just on what we’re grateful for but also on how we can continue to support one another for years to come.
When adult children and parents are together, it becomes easier to discuss long-term goals, legacy wishes, and how to handle future responsibilities. Discussing financial security may not be a tradition yet, but it can be just as meaningful as passing down recipes or photo albums.
How Life Insurance and Annuities Build Generational Security
Life insurance is often the first step in establishing a lasting financial foundation that extends beyond one generation. It assures loved ones are protected from financial burdens in the event of a loss — but more than that, it’s a message of enduring care. It helps cover final expenses, replace lost income, and maintain stability at a time when families need it most.
Annuities, on the other hand, are financial vehicles that provide stability and growth to support retirement income. They provide the opportunity for lifetime income and can help fill gaps in retirement plans. For families considering their future, these products help create a roadmap toward financial peace of mind — especially when combined with other strategies, such as Social Security or employer-sponsored retirement plans.
Together, life insurance and annuities support intergenerational planning. They help pass wealth, reduce tax burdens, and confirm loved ones have what they need, no matter what tomorrow brings. The IRS also outlines specific tax guidelines for annuities that may offer benefits when structured thoughtfully.
Starting the Conversation: Tips for a Productive Family Dialogue
It doesn’t have to start with a spreadsheet. Sometimes, a simple question is enough to open the door: What are we most grateful for this year? Or, how do we want to support future generations? From there, you can ease into conversations about what you’ve put in place or what you hope to build.
Encourage participation from everyone, whether that’s an adult child starting their own family or a parent looking to downsize. It isn’t just about one person’s future — it’s about shared values and mutual support. If you’re unsure where to start, working with a trusted organization like 1891 Financial Life can provide clarity and compassion. Our fraternal mission means they prioritize people, not profits.
Why Planning Now Reflects Love, Not Worry
Talking about life insurance or annuities around the holidays might feel unusual — but it’s one of the most loving things you can do. Planning ahead doesn’t signal fear; it signals care. It says, “I want you to be protected, no matter what.”
At 1891 Financial Life, we specialize in providing tailored insurance solutions that cater to diverse needs and requirements. Reach out today to explore how our team can help you navigate these challenges with expertise and compassion.
About 1891 Financial Life
Our culture is about looking out for you, for others, for family, for the community. That is how we go “Beyond Life Insurance.”
At 1891 Financial Life, we don’t just sell policies, we offer possibilities. We take pride in giving back to the communities we serve by providing quality and comprehensive insurance solutions. We are a not-for-profit life insurance Society, which means the sales from these financial service products help fund member benefits, along with social, educational, and volunteer programs designed to respond to community needs. Our commitment to excellence has been recognized by Forbes, naming 1891 Financial Life among “The World’s Best Life Insurance Companies” in 2023 - and for the second time, as one of “America’s Best Life Insurance Companies,” ranking #1 in Term Life Insurance for 2026.
Our portfolio is extensive, ranging from various life insurance policies to our annuities to support your financial needs, no matter what stage of life you’re in.