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How To Get A $10,000 Insurance Policy At No Cost To You

Last Updated: January 3, 2023 BY Michelle Schroeder-Gardner - 11 Comments

Disclosure: This post may contain affiliate links, meaning I get a commission if you decide to make a purchase through my links, at no cost to you. Please read my disclosure for more info.

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This offer is no longer available. If you are looking for life insurance, I recommend checking out Bestow. Bestow is an online life insurance company and they sell affordable life insurance. It’s easy to apply as well!

Would you like a $10,000 insurance policy at no cost to you?How To Get A $10,000 Insurance Policy At No Cost To You

My friends at Harmonic have partnered with Making Sense of Cents, and they would like to give you a $10,000 accidental death insurance policy to encourage you to build your own personal safety net.

I even signed up myself!

Why is it at no cost to you?

They are simply looking to get more people to know about Harmonic, and are giving this away to introduce people to them. I share lots of free things on Making Sense of Cents – this is simply just another item that I’ve negotiated for my readers. You have to be a U.S. citizen, though, to sign up.

Here’s how Harmonic’s CEO, Andrew Drake, describes it: “We’ve started a community for people who want to live well in retirement and bounce back from diseases, accidents or other unexpected curve balls that life throws at us. We call this building your family’s Safety Net. Harmonic members will build their own and we will help where we can.”

Harmonic thinks readers of Making Sense of Cents are a great candidate for the Harmonic community because you are already showing interest in taking control of your future by reading my blog.

You can click here to sign up to claim your policy today! It takes less than 5 minutes.

Here are answers to some questions that you may have.

 

Can you have more than one insurance policy?

If you already have life insurance, you can still sign up for this.

You can hold more than one insurance policy.

This policy is slightly different in that it covers you in case you die in an accident – such as a car crash.  Accident is the number one cause of death for people ages 1-44, according to the folks in our government that track that sort of data.

If you already have life insurance provided by your employer, you can sign up for this as well – it’s just a little extra and can help you and/or your family a lot.

If you don’t have life insurance, then I highly recommend that you sign up for this, as it doesn’t cost you anything.

 

Who needs life insurance?

Since this $10,000 accidental death insurance policy is at no cost to you, I recommend that EVERYONE get it. Whether you are single, have a family, have a dog, etc., it’s a no-brainer because this won’t cost you anything.

Around half of the people in the U.S. do not have life insurance. 

Many people just accept whatever life insurance benefit their employer provides, which is usually a low amount, if any. But, if you really want to get the most out of life insurance and help your family, you will need more coverage than just what your employer provides.

So, what is life insurance?

Life insurance is basically money for your family if you pass away. And, if you are the sole or primary earner in your family, then there are a lot of people who rely on you financially. It is money that can be used to pay for funeral expenses, the day-to-day bills, pay off debt, etc.

Think about it like this: If you were to die tomorrow, how would your family be able to cover the bills?

That is the biggest reason for why you need life insurance.

The main reason most people get life insurance is because it can help your loved ones and anyone who depends on you. This way they can still pay the bills and grieve without having to worry about money. There are many more reasons to get life insurance though!

You can click here to sign up at no cost to you.

Do you have life insurance? Why or why not? Did you sign up for this $10,000 accidental death insurance policy?

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11 Comments
Filed Under: Budget

About Michelle Schroeder-Gardner

Michelle is the founder of Making Sense of Cents, a blog about personal finance and traveling. She discusses how her business has evolved in her side income series. She paid off $40,000 in student loans by the age of 24 mainly due to her freelancing side hustles. Click here to learn more about starting a blog!

Comments

  1. Shawna Lively says

    October 26, 2020 at 8:39 am

    Hi Michelle! I did sign up for this free policy! This is a huge help for me, as I’ve been unemployed since April and have no health insurance or life insurance. I am very excited to explore the other things that Harmonic has to offer as well!

    Thank you for partnering with them, and giving me a little peace of mind!

    Reply
    • Michelle Schroeder-Gardner says

      October 26, 2020 at 8:42 am

      Great to hear, Shawna! Thanks for signing up.

      Reply
  2. Janet says

    October 26, 2020 at 12:20 pm

    Interesting. I’ll check it out. Thanks for the info

    Reply
    • Michelle Schroeder-Gardner says

      October 26, 2020 at 12:51 pm

      You’re welcome!

      Reply
  3. BC | FrugalWheels says

    October 30, 2020 at 2:20 pm

    Wow, that’s quite a deal. Way to negotiate it! I will definitely have to check that out. That’s just too good to be true!

    Reply
  4. erma says

    January 18, 2021 at 5:06 pm

    This free policy offer showed up just in time, I am unemployed and I have no life insurance at all. I was so happy to see the information for the free policy, I signed up for it immediately..Thank you so much for making this available for people, who need it..

    Reply
  5. Sia says

    February 14, 2021 at 12:01 pm

    Is this really legitimate? How can an insurance company offer free health insurance at no cost?

    Reply
    • Michelle Schroeder-Gardner says

      February 14, 2021 at 12:25 pm

      Hey Sia,

      I answer this in the blog post:

      “They are simply looking to get more people to know about Harmonic, and are giving this away to introduce people to them. I share lots of free things on Making Sense of Cents – this is simply just another item that I’ve negotiated for my readers. You have to be a U.S. citizen, though, to sign up.”

      Reply
  6. Casey says

    March 17, 2021 at 7:26 pm

    I signed up. Thought it was odd that they didnt ask for my social or anything though… 🤔 but in which case, this is something nice to add to the small whole life policy i have (just enough to pay for a funeral)

    Reply
  7. Christie says

    March 21, 2021 at 10:05 am

    I read a Glassdoor review that mentioned that Harmonic is not on sound financial footing. What will happen to the “free” policy if the company should go into bankruptcy?

    Reply
    • Andrew Drake says

      March 21, 2021 at 10:33 pm

      Christie – thanks for all your questions – both this one and several more that you directly sent our way. I look forward to having a Zoom with you tomorrow. Thought you should know before we talk that the Harmonic reference you saw on Glassdoor is for a different Harmonic – we’re an insurance business in Oakland (Harmonic Insurance Services), that one is a manufacturer of advanced components for televisions in San Jose (Harmonic Inc.). I don’t know that company, but their products sound amazing.
      Best,
      Andrew

      Reply

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My name is Michelle and I'm the author/owner of Making Sense of Cents. Learning how to save money and make more money changed my life. It allowed me to pay off $40,000 in student loans, start my own business, and I now travel full-time.

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