The great composer Ludwig van Beethoven once said that "music is a higher revelation than all wisdom and philosophy", and he was right. Music can transport us to other worlds, educate us about things from all across the globe...and reference everything from the latest hit movie to insurance. Yes, you read that last part right.
But it's only natural you'd be skeptical. What songs out there really talk about insurance (and before you ask, we don't count insurance jingles)
Well, that's where we come in. It's time to take a deep dive into our guide about the multitude of songs about insurance out there!
But enough preamble, right? Let's jump right into this thing!
How else would we start our list but with one of the greatest bands of all time? The track "Take Out Some Insurance On Me, Baby" was recorded by the Beatles in 1961, two years after the original (performed by hitmaker Jimmy Reed) first debuted. The track is notable among Beatles fans for featuring Tony Sheridan on vocals, a stint that didn't last long before the band gained the lineup we know and love today.
In the song, Sheridan sings that his lover should "take out some insurance" on him because if they "...ever, ever say goodbye, I'm gonna haul right off and die". While the Beatles in the song are exaggerating their plight for dramatic effect, they're onto something when it comes to getting life insurance.
Getting life insurance for yourself comes with a whole host of benefits. One such benefit is compensating your family for the income lost if you passed away unexpectedly.
They also provide additional funds to do things like support your kids through college or pay off the last remnants of your mortgage or bank loan. Getting this extra layer of security helps ease the burden on your loved ones and provide them a little comfort as they endure such a tragic event.
Next on the list comes Kanye West's 2005 hit "Gold Digger", which tells the story of a man left broke by a titular gold digger, a woman who only married him for his money. The song utilizes Jaime Foxx doing his vocal impression of Ray Charles in tandem with sampling Charles's song "I Got a Woman" to create a hip-hop hit that still gets airplay today.
But how does that tie in with insurance? Well, at one point West raps the line that the narrator "should have gotten that insurance, Geico, for your money," in reference to how the narrator should have kept his money safe instead of letting his gold-digging wife go on extravagant spending sprees. This is, of course, followed by a call to get a prenuptial stat ( a document that determines how finances divide in the event of a divorce, signed before the couple gets married).
While you can't insure your money against a bad choice in marital partners, you can insure big investments like your home or vehicle to make sure that they get protected against accidents. This includes everything from people breaking into your house to stealing things to damage inflicted by natural disasters like tornadoes.
You can even get liability coverage as an extra safeguard. This works to alleviate any legal penalties you'd incur by causing accidental damage to other people and their property.
What's more, you can even customize the level of homeowner's insurance you get to ensure you're not paying for protection you don't need. For example, if you live in New York, getting earthquake insurance is going to be a lower priority than if you lived in California.
To paraphrase the words of Kanye West, now we ain't saying you should buy it all, but rather that you need a customer level of insurance protection that's right for you (is it still paraphrasing if we made the quote even longer?).
In between desperate pleas to get sedated and bopping around to blitzkriegs, hit punk band The Ramones also made sure to write a song about the need to grab some good high-risk insurance. As the crash of cymbals and strums of guitar fill the air, Joey Ramone sings about "the time is right" for high-risk insurance and how "everybody wants an explanation, I got no love for the enemy nation".
Of course, we don't advise taking his words to heart. If insurance companies consider you a high-risk customer, they'll raise their premiums, making it much more expensive for you to get insurance. Continued incidents or trying to pull stunts like driving without auto insurance will only exacerbate the issue.
Instead, take steps to demonstrate that you're a low-risk client. Demonstrate that you've taken steps to prevent prior accidents from repeating. In the case of auto insurance, you can take defensive driving courses and show your insurance company the certification to lower your rates.
Worst comes to worst, don't be afraid to ditch your current company and look around for one that can offer you low rates with a solid policy. Taking that initiative can save you some serious cash in the long run.
Most of America knows Taylor Swift as the wholesome-as-apple-pie country/pop star behind hits like "ME!", "Love Story", and "I Knew You Were Trouble". That said, she's got a back catalog of some edgier material that gets less time in the limelight. One of these tracks is "No Body, No Crime", which tells the tale of Taylor doing some good old-fashioned vengeance killing against a man who murdered his wife (and her friend) when she found out he was cheating on her.
The insurance angle comes in when Taylor points out that the man's mistress "took out a big insurance policy" on him. This leaves the mistress the perfect suspect to frame for the murder. After all, Taylor can make it look like the mistress killed the husband to collect on the insurance payout.
This seems like as good a time as any to point out that trying to commit insurance fraud is a serious crime. While the exact numbers vary by province, it's a good rule of thumb to assume fraud covering any amount greater than $2500 gets classified as a state felony and will land you behind bars for a long time. That's not even covering the fines you'll have to pay out, which can go as high as $10,000 (if not higher).
So don't go taking any inspiration from Barbara Stanwyck and trying to pull some Double Indemnity-style nonsense. You've seen how that movie ends, right?
On the lighter side of things, David Devine brings us some gentle comedy (in addition to a strong message) in "Insurance Song", a guitar-laden ballad in the style of John Denver....about the importance of having life insurance. David speaks of insurance as "something that he can't live without" and that "the fate will someday find..." him.
Dave's 100% right, as it's important to face the fact that everyone dies at some point. And when they do, the costs of things like burying someone or holding a proper funeral for them can start to stack up fast. When you get life insurance, however, you've provided an extra financial buffer for those you left behind.
Now, they can take the time to grieve and process their feelings without worrying about looming hassles like funeral bills.
We close the list out with one of the classics, the jaunty tune "I've Got Five Dollars" from master performer Ella Fitzgerald. While the song hails from the 1930's musical America's Sweetheart, Ella's 1950's cover keeps the Broadway flair while adding her unique flair to it.
In the song, Ella croons that she has "debts beyond endurance on my life insurance that belongs to you," professing that everything she owns belongs to the one she loves. Ella did the smart thing letting her loved one know they were a beneficiary of her life insurance policy, but have you done the same?
If your loved ones know their beneficiary status, they could miss the fact that they're eligible and skip over the money altogether without knowing in the tragic event that you were to pass away. Let them know about your plans with insurance and who you've filed the plan with. This way, everyone can get their money with minimal hassle.
And there you have it! Now that you have this complete guide to all the different songs about insurance, it's time to lay back and jam to some of your favourites!
But what if you want to follow the advice of some of the songs listed here and get some big-tier insurance policies to protect yourself and your loved ones? In that case, come get a quote with us today and let us help you find the policies that are best for you!