I started Insurance Blog by Chris™ because I have a passion for insurance. Here at the blog, our job is to educate and inform people about the best insurance for them. Since then, we have grown into national brands with a large team of researchers helping people understand all forms of insurance.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insu...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Nov 9, 2020

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It’s getting out of control, and everyone is frustrated by it. A loved one passes away, and within days, the GoFundMe campaign shows up on your Facebook feed…

“Requesting Help for Funeral – Joe had no Life Insurance :(” It’s sad. It’s frustrating. It’s awkward. And it pisses a lot of people off!

Take a look at what people are saying on Twitter:

Gofund me vs life insurance
GoFundMe Funeral Expenses
GoFundMe Rebellion

Click here for more tweets. Some of these are hilarious!

I say they’re right! If you agree, find out how you can help end these campaigns in 3 easy steps.

Welcome to the GoFundMe Insurance Rebellion!

The GoFundMe rebellion is about tough love.

It’s like telling your 32-year-old son with no job who won’t move out of your house and sits around on your couch playing video games naked eating Cheetos, that he has 3 months to either move out or start paying rent. Guess what. He’ll get his ass off the couch and start looking for a job!

Tough love.

What happens every time people see these campaigns get funded? They subconsciously decide that planning for death just isn’t that important because someone else can bail my family out. And on goes the cycle.

Want to help stop GoFundMe life insurance campaigns? Stop contributing to them.

Take the “Fund” out of “GoFundMe”, and we’ll end the cycle.

RELATED: 5 Critical Tips You Must Know Before Buying Life Insurance

When You Should Call BS on a GoFundMe Campaign (and when you shouldn’t)

Some GoFundMe campaigns have their place – you know them when you see them. We’re not here to stop campaigns raising $20,000 for that surgery that your health insurance didn’t cover. We’re here to fight for this noble idea:

Go Fund Me Campaigns should be used for expenses that responsible people never saw coming.

Could a responsible person possibly foresee and plan for an unexpected death? You bet.

So if Joe is a healthy, 50-year-old and suddenly dies of a heart attack or gets hit by a car, whether he is single with no dependents, or married with 3 kids…we shouldn’t see a GoFundMe campaign.

Why? He was healthy. That means he *could have* qualified for life insurance!

So if Joe was a middle-income American, he should’ve planned ahead, and it shouldn’t be our burden to bail his family out because he mismanaged his money. But Joe’s “middle income” example brings up a good point.

What About People Who Can’t Afford Life Insurance?

“What if they truly didn’t have the means to put any money away or buy life insurance?” First of all, I know where your heart is with this statement and I appreciate that. But seriously, do you know how much it costs for just a $100,000 term policy? If you’re under 50 and healthy, typically under $20 bucks per month!

You’ll have to be the judge of how you respond to the GoFundMe requests from low-income families.

If they’re struggling just to make ends meet and pay for the essentials – food, clothing, housing, etc., then I can see sympathizing and helping a family out who truly could not have “saved up” or bought life insurance to prevent the need for a GoFundMe campaign.

But if I can picture Joe’s wife writing the GoFundMe request on her iPad while sipping a White Chocolate Mocha at Starbucks, you be the judge of whether or not you want to contribute, but hell no, I’m not helping!

RELATED: Check Sample Life Insurance Rates by Age (No Personal Info Required)

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Want to Help End Irresponsible GoFundMe Insurance Requests?

We can end these requests in 3 easy steps:

1. Make the Pledge – see below
2. Stop contributing to GoFundMe insurance campaigns
3. Share the Rebellion

Instead of GoFundMe, Buy Life Insurance

It starts with you. You’ve got to get YOUR financial ducks in a row to assure YOUR family won’t be requesting crowdsourced funds on YOUR behalf. That could mean you need to spend a bit less and save more. That could mean you need to look into buying some life insurance.

That could mean talking to your loved ones about your wishes upon your death.

Make a pledge that no GoFundMe campaign will be used upon your death, and share it on Facebook, Twitter, Snapchat, etc.

“I vow that no GoFundMe campaign will be set up upon my death, nor will I set one up for my family members. #gofundmerebellion”

Here are a few quick shareable ideas:

GoFundMe is not life insurance! #gofundmerebellion

Two Quick Announcements: 1) I am no longer contributing to GOFUNDME campaigns 2) Life insurance is super cheap – Now go do the right thing! #gofundmerebellion

LIMRA, a life insurance research association, says that people overestimate the cost of life insurance by over 3 times! It’s affordable people. Don’t rely on GOFUNDME! #gofundmerebellion

Go Fund Me Campaigns should be used for expenses that responsible people never saw coming. #gofundmerebellion

Last Thoughts on GoFundMe For Life Insurance

So if you’re a middle-income American, please stop with the Go Fund Me requests. It makes your friends and family uncomfortable.

No one should have to think about the way Joe mismanaged his money and could have bought life insurance, but didn’t.