There comes a point in every parent’s life when they realize their “baby” isn’t really a baby anymore. They’ve got a job, an apartment, maybe even a dog they call their “fur baby.”
But there they are still listed as a dependent on your health plan and your car insurance policy.
And you start to wonder:
Is it time?
Are they ready?
Will they survive the deductible?
It’s not that you don’t want to help. You’ve just hit that phase where protecting them starts to look less like “keeping them covered” and more like “teaching them to cover themselves.”
Because here’s the truth: keeping your 28-year-old on your car insurance may save them a few bucks…but it also means every fender-bender they have still affects your premiums. And that “temporary gap year” on your health plan? It’s been going on since 2020.
Sometimes love looks like boundaries and boundaries look like saying,
“I love you. But it’s time to call Glidewell.”
Letting your kids get their own policies doesn’t mean you’re cutting them off; it means you’re setting them up. You’re helping them build credit, confidence, and a sense of ownership that’s impossible to teach when you’re still footing the bill.
Because one day, they’ll need to protect what matters most, too and they’ll remember who taught them how.
So go ahead. Update that policy. Nudge them toward independence. You’ve done your part…now it’s their turn.
Glidewell…Helping families protect what matters most (and occasionally helping parents cut the cord).
