Leave a Legacy That Lives On:

July 31, 2025•4 min read

How Life Insurance Can Bless Your Favorite Charity

You’ve likely spent years giving your time, your heart, and your energy to causes that matter to you. Maybe it’s a food pantry, a ministry, a children's program, or a local animal rescue. You've shown up, helped out, and made a difference.

But have you ever stopped to ask yourself:
What happens to that cause when I’m gone?

It’s not always an easy conversation to have—but it’s a powerful one. And the truth is, most nonprofits would struggle if they lost even one long-time volunteer or donor.

That’s where legacy planning comes in.
And one of the most overlooked—but incredibly impactful—ways to leave a legacy is with a simple life insurance policy.

Volunteers Are Priceless… But Not Free to Replace

Let’s take a moment to talk numbers.

In Texas, every hour you volunteer is valued at $33.59, according to the Independent Sector. If you volunteer just 4 hours a week, that's over $7,000 a year in value that your favorite nonprofit receives—from your time alone.

Now imagine you’ve been volunteering for 10, 20, even 30 years.

We’re not talking about pocket change.
We’re talking about the equivalent of tens of thousands of dollars in unpaid, dedicated, mission-driven work.

If you were gone tomorrow… who would pick up that slack?
And even if someone stepped in—would they serve with the same heart you do?

That’s why planning ahead matters. Not just for your family, but for the organizations that count on you too.

Legacy Giving Doesn’t Require Wealth—Just Heart and Intention

Many people hear “legacy gift” and think it’s something only the ultra-wealthy can do. But that couldn’t be further from the truth.

You don’t need to be a millionaire to leave a meaningful gift.
You just need a plan—and the right tools.

A life insurance policy allows you to leave a tax-free gift to your favorite nonprofit. Depending on your age and health, a modest monthly premium can turn into a $10,000, $50,000, or even $100,000 blessing to the cause you love most.

That’s a legacy worth talking about.

3 Simple Ways to Use Life Insurance for Charitable Giving

There’s no one-size-fits-all approach. Your legacy should reflect your heart and your financial picture. Here are three simple ways you can make it work:

1. Name the Charity as the Beneficiary

This is the most straightforward option. You keep ownership of the policy, but when you pass away, the death benefit goes directly to the nonprofit.

2. Gift the Policy to the Charity

You transfer ownership of the policy to the nonprofit now. They may even choose to pay the premiums (with your help), and you may be eligible for a charitable tax deduction for the gift.

3. Purchase a New Policy Just for Giving

This is ideal for those who want to protect their family with one policy—and bless a nonprofit with another. The premiums are usually modest, and the result can be life-changing for your favorite cause.

Why This Matters—Now More Than Ever

We’re living in a time where nonprofits are stretched thin. Donations are unpredictable, and dedicated volunteers are harder to come by.

When you set up a legacy gift through life insurance, you’re not just leaving money—you’re giving certainty, stability, and continuity to a mission you believe in.

And here’s the part that surprises most people…

You can do all of this without taking away from what you leave to your family.

Life insurance gives you the flexibility to bless both your loved ones and your favorite cause. It’s not either/or. It’s both/and.

What Happens When You Work with Me

I’m not just a life insurance agent—I’m a legacy advisor.

That means I help you figure out the smartest, simplest way to make your values live on. There’s no pressure. No sales pitch. Just a conversation about what matters most to you and how to make sure it continues when you’re no longer here to do it yourself.

And as part of this charitable planning outreach, I make a donation to the nonprofit in your name for every policy written as part of their mission. This isn’t about commissions—it’s about contribution.

Let’s Put It All Together

Here’s the real heart of it:

You’ve given your time, your talents, and your heart to a cause.
You want to make sure your absence doesn’t leave a gap they can’t fill.
You want your legacy to reflect your values—not just your valuables.

A simple life insurance policy can make that happen.

Whether you’ve volunteered at your church for years, supported a local women’s shelter, or helped raise money for after-school programs—you have the opportunity to keep that good work going.

And it doesn’t take a big checkbook.
It just takes a willing heart and a plan.