"Both my parents lost their dads when they were teenagers, so they know what it's like to struggle and to try and make ends meet, especially when one income goes away," the NASCAR driver and spokesperson for Life Insurance Awareness month tells CNBC.
Neither of her grandfathers had life insurance, and it was a struggle for her family to get by.
Patrick's parents made sure they wouldn't make the same mistake and bought life insurance in their 20s.
The professional race car driver followed suit. "I've had coverage since my early 20s when I started racing cars," she explains. "It's a dangerous sport, so it's a more common conversation to have from an earlier age, based on what I do, but for most people, it's not the most common conversation to have."
The lack of conversation could explain why only half of millennials own life insurance.