It’s the ZOMBIE APOCALYPSE!! Can I Still Claim Life Insurance?

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First off—this is really what you’re worried about right now?! It’s the zombie apocalypse, man! Why, and how, are you on a computer? You should be running! RUN!

Okay, now that that’s out of the way, I’ll address your question. Possibly.

I must say, it doesn’t surprise me in the slightest that this question came up, as society seems to be more concerned about the possibility of a zombie apocalypse than the possibility of global warming, but we can just blame Hollywood for that.

Me: Hey, Hollywood… how does it feel that people are more prepared to make decisions during a zombie apocalypse than during election season?

Hollywood: No comment.

Here’s the thing: if you did more than just stockpile crossbows and canned goods in preparation for the zombie apocalypse and actually purchased life insurance, you’re awesome. That’s true dedication to being prepared and when, and if, the zombie apocalypse does happen, I will break down the doors of the closest life insurance establishment and make them file your claim.

I mean, there’s got to be one truly dedicated life insurance agent still manning the front desk right? That one whose plan it is to rule all of life insurance once the dust settles—there’s definitely going to be that guy and we’ll find him!

If this guy is still running the life insurance system—from, I don’t know, his basement, or something—then he’s going to be busy. People’s loved ones are having their brains eaten, left and right, and while everyone’s sad, panicked, and trying to stay alive, they are still wondering what they’ll need once the government finds the cure. They’ll need to take care of themselves and once the bartering system fades again, money is going to take center stage.

Even if the world does look like it’s going to be zombie wasteland forever, the awesome lone insurance guy could at least pay claims in weaponry, or something, right? Things to be traded, maybe?

In case you haven’t already guessed, this article is largely conjecture. I sincerely hope you guessed.

For argument’s sake, let’s say that you can get your claims filed, need/want to, and are reading this thinking… I don’t have life insurance and I believe in zombies. I really want to be able to file my claim and get a truckload of canned corn for bartering. What should I do? Well, you should buy life insurance.


Really, you should purchase life insurance, click here to learn more, regardless of if you believe the zombie apocalypse is coming or if you actually think there will be one lone life insurance agent fighting the good fight for the insurance cause. If you have a family, you should buy life insurance to provide for them whether your brains are eaten or if you just step out into the road at the wrong moment in time.

Anything can happen. At any time; be prepared!

If I’ve been convincing, and humorous, enough for you to learn a little about life insurance—it can’t all be fun and games!—then here are some brief basics:

  • Term Life: This is the policy that everyone, both policy buyers, givers, and financial experts alike, all recommend. It provides just what you need, when you need it, and allows you to alter the policy once its life expires. Typically, these policies are purchased for a flat annual fee (you can pay monthly) and have a shelf life of anywhere from 10 to 30 years—more commonly the later. During the policy’s life, you experience to rate changes, no nasty hidden fees, and if you want to change over to another policy, you’ll pay little to no forfeiture fees.

These policies are quick, clean, and once the time expires, you can reevaluate all of your assets and readjust accordingly. After all, you don’t ever want to be paying more than you have to.

  • Whole Term: These policies are basically the opposite of everything I just said in regards to term life policies. Whole term policies are permanent and cost a pretty penny to forfeit. You do earn tax-free cash as an investment incentive, though, which accumulates over the course of the policy’s life and if you have an illness or disability, the life-long coverage can be appealing.

If you are really looking into life insurance and, of course, want to be fully prepared for the zombie apocalypse—after all, we have to give the lone insurance agent something to do—then the best thing that you can do is talk to a certified insurance specialist.


Because everyone is different—we have different health problems, different backgrounds, different occupations—the list goes on and on. All of these differences factor in to the kind of policy that you should get and what it should cover. Do yourself a favor and work with someone who knows the industry backwards, forwards, and sideways to get yourself the best deal!

I sincerely hope you find the best policy for you and don’t get eaten by a zombie—best regards!

Comments: 28

  1. Elisabeth August 12, 2013 at 2:02 pm Reply

    What 3 guns would you chose to have in a Zombie Apocalypse and for a Government collapse?
    1 Handgun 1 Assualt Rife and 1 shotgun or sniper rifle. Here are mine for a zombie scenario and a government collapse.

    -Glock 45 (zombie)
    -AR15/M4 (zombie)
    -Remmington 870 pump(zombie)

    -FN Five-Seven (GC)
    -AUG A3 (CG)
    -R700 SPS (CG)

  2. Lance August 21, 2013 at 11:26 am Reply

    Say there is a zombie apocalypse would you rather be chased by fast zombies that are dumb or slow zombies that are smart?

  3. Wei September 16, 2013 at 8:11 am Reply

    I want to make my friend a joke zombie apocalypse survival kit for her birthday, but I need ideas of what to put in it. So far I’ve got a nerf gun, chocolate, and a picture of the two us. What else should I put in it?

  4. Frederick October 19, 2013 at 4:10 pm Reply

    If the zombie apocalypse were to come and you had time to choose any vehicle (best suited for you to survive, along with friends), what would it be?

    It must be commercially available (so no tanks or APCs).

  5. Dorthea November 7, 2013 at 3:26 pm Reply

    My friend says that if I headed to the middle of the wilderness during a zombie apocalypse, I would not survive, even if I was very far from any civilization and managed to live off the land – the zombies would still get me. What do you guys think? This isn’t about me running out of food or anything like that, it’s a question of whether the zombies would go out into the woods far enough to find me.

  6. Osvaldo November 15, 2013 at 1:01 pm Reply

    Seriously, people, you never know when a zombie apocalypse is gonna happen.

  7. Keith November 30, 2013 at 8:52 pm Reply

    Since the day a man had his face eaten by a ” soap salt or cocaine inhibited” individual in Miami, Zombie apocalypse has trended on yahoo’s sites as most searched. Am i missing something?

  8. Ray January 14, 2014 at 11:06 am Reply

    I was just wondering if anyone knew about any good fiction books about After a zombie apocalypse has ended.

  9. Arlyne January 16, 2014 at 3:05 pm Reply

    For quite a long time, I have wanted to write a book about the aftermath of a zombie apocalypse. I know what I like in a zombie book, but I don’t like the normal smash everything and battle large amounts of zombies with massive guns that defy logic and mow them down like weeds in the grass. I prefer more of the laid back, trying not to draw attention to myself barely struggling to survive kind of books. So, what I want out of this post is…

    -What are some of your favorite apocalypse books?
    -What haven’t you seen in a book like this that you haven’t seen yet?

  10. Sidney January 23, 2014 at 12:13 pm Reply

    When people talk about a zombie apocalypse, is it when the whole world is affected? How does a zombie apocalypse occur anyway? I know that this is fiction, but I am curious about what the fictional stories claim

  11. Brenton February 21, 2014 at 11:54 pm Reply

    Imagine one day waking up, you turn the tv on and get nothing. You live alone, no guns. You notice something strange going on outside so you look out the window and to your surprise the neighbor is being eaten by 2 or three zombies (which don’t spot you, thank God.) What is the first thing you’d do, and from then on?

    (You would know they were zombies, I mean, come on, we’ve all seen the movies) They’d be the walking dead kind of zombies.

  12. Terrell February 22, 2014 at 6:01 am Reply

    okay i need about six to ten steps on how to survive a zombie apocalypse including what guns to use, where to go and what level of compassion i should have for other people.

  13. Chadwick February 22, 2014 at 6:02 am Reply

    You are sitting at home on a Saturday afternoon when the news comes on and tells you there is a zombie apocalypse going down right outside your door. What do you do? What is your plan of action? Where would you go? Weapons? Shelter? One must be prepared for when the zombie apocalypse comes!

  14. Jestine February 22, 2014 at 6:26 am Reply

    Would the zombie apocalypse last long ! Or if happened would end quickly

  15. Tierra March 11, 2014 at 2:55 pm Reply

    I have a plan here it is I will stay in a morgue because that’s safe everyone’s dead there and I won’t have any weapons because they are dangerous and someone could use them against me and if it gets tough I’ll stay in the sewer where they say alligators are because I don’t think they can get infected and if there is alligators they’ll eat the zombies and besides I’m very scrawny weak and have to stop running frequently to take breaths they won’t want to eat me so how will I do during the zombie apocalypse

  16. Casey March 21, 2014 at 7:39 am Reply

    So, there’s a zombie apocalypse. Would you have any partner to help you kill the undead? Who? Why? What weapon would you use, why, where would you get it? Where would you set up, why? Where would you get food? Where would you travel? Tell me everything about how you would survive a zombie apocalypse. The more you write the better! Just interested :}
    Thanks in advance!

  17. Erik April 7, 2014 at 5:05 am Reply

    Say there is a zombie apocalypse. Where would you get food in the city (not hunting) if all the supplies in the stores would finish or go bad? O.o?
    Thanks in advance 🙂

  18. Bruna April 8, 2014 at 1:10 pm Reply

    I have never watched a zombie movie in my life. It started when I read on that a zombie apocalypse could actually happen
    . How can I over come this fear. serious answers please
    I have a very real fear of the zombie apoicalypse

  19. Terrell April 12, 2014 at 2:46 am Reply

    Let me start off by saying that I tend to over react to things a lot. Now that being said the recent events in Miami and other places have people talking about a zombie apocalypse and I have myself really worked up over this now, to the point where I’m losing sleep. I guess what I’m looking for is an answer as to if it’s possible and why you think it is or isn’t. Someone please answer? I’ve really got into a panic over this and an answer would be great..

  20. Jacquline April 12, 2014 at 7:09 am Reply

    What if you were home alone and you stepped outside real quick to get the mail or something and found you were in the middle of a zombie apocalypse?

  21. Lance April 15, 2014 at 12:00 am Reply

    Just wondering, has the Government ever officially prepared for a Zombie Apocalypse?

  22. Hal April 21, 2014 at 2:15 am Reply

    Would you be one of the zombies, or one of the guys trying to runaway from them?

    BQ: What’s with the whole zombie apocalypse talk nowadays?
    BQ2: Favorite zombie film?
    BQ3: Favorite zombie song?
    BQ4: Favorite zombie game?
    BQ5: Favorite zombie book?

  23. Micaela April 24, 2014 at 11:02 am Reply

    I’m writing my first post-apocalyptic story and it’s about a girl who’s trying to prevent the apocalypse with a power she was born with.

    I was thinking that the zombie part of the apocalypse could be caused by another person who I’ve named Hannah with an ability that I’ve called disease. So when she dies, she releases the virus that begins to infect people.

    Or I could go with the usual secret government experiment idea.

    What do you think?

  24. Ismael May 3, 2014 at 1:49 am Reply

    if there was a zombie apocalypse and all humans were to become infected what would happen to the zombies?

  25. Leesa May 7, 2014 at 3:28 am Reply

    a zombie apocalypse has broke out and the people you know are now zombies. you are the only one around you that is alive but that doesn’t mean there aren’t survivors. what would you do about groups, food, water, weapons, shelter and survival plans?

  26. Ray May 23, 2014 at 7:24 pm Reply

    What would you do during a Zombie apocalypse? Weapon Choices? Hideouts? Car choices? Friends?

  27. Garrett May 27, 2014 at 10:22 am Reply

    ‘m writing a story about an adventure/horror/romance story about a teenage girl. It takes place during a zombie apocalypse. What kind of items should she have on her to insure her safety for AT LEAST three days? I’d appreciate as much help as I could possibly get!! Thanks you!!

    The virus would be spread from person to person through bite, although it would remain a mystery as to how the first group of people got infected. Most are assuming it was a toxin in the water, but I’m choosing to leave it a mystery until halfway through the story or so.
    (If you can C+P the link above you can see the jeep.)
    forget the jeep. It’s all black WITH windows (that’s the whole point I’m trying to get through with the link but it isn’t working.)

  28. Cesar June 4, 2014 at 5:52 am Reply

    There’s a news broadcast saying there’s zombies running through the street, what do you do??

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