09/27/2025
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Please add life insurance into your budget. We're here to tell you that life insurance is more affordable than you probably think.
Life Insurance... Our daughter was two weeks away from her 3rd birthday, and our son was just 5 months old. When you die, there is no severance package.
Pittsburgh, PA
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OUR STORY: On October 25, 2015 my healthy, happy, handsome, 32 year old husband left our house to run a race, and never in a million years would I have thought he wouldn’t make it home. Our daughter was two weeks away from her 3rd birthday, and our son was just 5 months old. Like a lot of young families we were living paycheck to paycheck, and didn’t have much in savings, because well, we figured we had time for all of that. Mike was the breadwinner in our family, and his paychecks supported us. Clearly, when I learned of his passing, paying the bills was the last thing on my mind. But just ONE WEEK later I got a notice that if I couldn’t cover the full cost for our health insurance, now out of pocket, it would be cancelled. When you die, there is no severance package. There are no more paychecks. But the world around you continues on. The mortgage, car, bills, etc. are all still there. So now, not only did I have to figure out how to just get out of bed to take care of our children, but I also had to figure out how to get expenses paid so we could just live. He did have a Life Insurance policy through work, which was equal to just one year’s salary. A large portion of this immediately went to final expenses and the rest allowed us to stay in our home and figure out the next steps. Today, it has almost been one year, that insurance through work was there when we needed it, but is now gone. The kids and I still have a lifetime ahead of us. Thankfully he did have some additional insurance in place. I cannot stress enough how important it is to have a Life Insurance policy that you own yourself, in addition to whatever you have from work. To make sure that your loved ones are protected in such unexpected tragedy. And to just not wait, you never think this is going to happen to you, but when it’s too late, it’s too late. Message me and I can help you with any questions that you may have or to get a new policy set up. We are here to help you! Riverfront Financial is a family owned, client-focused firm offering individuals and small businesses a broad assortment of insurance, investment and financial services. Our mission is to ensure our clients feel comfortable with their insurance and investment decisions. We want to take the confusion out, and help our clients to properly prepare for their future. On the individual side, we work with top-tier companies to provide the right life insurance and future financial protection that is unique to your needs and goals. We also provide solutions for small businesses that are struggling to afford benefits for their employees. We go beyond just "shopping" insurance quotes from companies; we work with you to develop creative plan designs that keep your bottom line in mind, and then implement and administer those plans. We offer life, health, auto, home, disability and business insurance; key man insurance, 401(k) and pension packages; Individual investing and retirement packages.