Pages

Thursday, October 1, 2015

The Importance of Life Insurance




I know this isn't a topic that I normally talk about on the blog, and it is far from all the mama business, shopping deals, and everyday life that surrounds this little space of mine, but I also know that life insurance is a topic that we, as mothers and wives, need to bring more awareness and discussion to the table.

So first, why is it that young people dislike talking about this?

Perhaps due to the lack of extra finances to open up a plan. Maybe the lack of knowledge of what life insurance is and what it will mean for them. And most importantly, lack of understanding of what life after death may look like to their beloved family members. So why am I, a 29 year old, talking about this today? Because I am wife and a mother, because we have debt, and because I have seen too many sad stories that leave families not only without a family member, but also without a means of paying off bills.

I am surrounded by both life and death where I work as a critical care nurse. Illnesses and tragedies do not only effect the old. Not only do I see the old pass but also the young. Young men and women in their twenties, thirties, forties, fifties. Women and men with young children. Some with older ones getting ready to head out to college. A daughter who is getting ready to walk down the aisle. A son who's the star quarterback on his football team. A wife who has been a stay at home mother for 10+ years. A lifestyle that they have worked so hard to build throughout the years, and then death happens. And it rips the family apart. It rips everything they know, everything they do, how they function, how they don't. And thus, they are forced to enter this new world of being a widow, left without their loved one, left with bills, responsibilities, and changes that they never thought for one second they would have to live with.

Perhaps I have reached the core of why young people don't discuss life insurance. Because by talking about it... it means that "it," in other words death, can actually happen. And the thing about it, is that it can. And it does. Car accidents happen. Heart attacks come unexpectedly. Cancer, in which we still don't have a cure for, strikes. And the unfortunate part is that these things can surprise at any age, any day, any moment in time.


I was 23 years old when we opened up our first life insurance plan at my work, which fortunately for us, a very large amount was offered both for myself and my husband. I was surprised, and very impressed, that ours actually offered something more than the typical 50k/100k plans that you typically see in work environments. Therefore, we took out the maximum amount allowed, which would far exceed a funeral, pay off our home and student loans in full, and give myself or my husband a 5+ year cushion to get our feet off the ground, get out of our depressed beds, and figure out how to get ourselves back in order.

We have maintained this plan since. Thankfully for me, it costs very little to us, and we view it as pocket change for what could be life changing if death did unfortunately strike. And we have further discussed opening up a separate private plan in the next couple of months to add onto the "cushion" of our life insurance. A cushion we do not exactly like to discuss over the dinner table, but as our family grows, know how important it is that we do.


When something as unfortunate as death of a loved one occurs, the last thing anyone would ever want is financial burden on top of the grief for their family members.

I hope that I will be one of the many that throws her money into an insurance plan that we will never have to use. Because that to me? Would mean that both my husband and I are still alive and living life with our children. But in the unfortunate event that we do? I at least know we are covered.

So here is where I challenge you to ask yourself if life insurance, or any other voluntary insurance policy is right for you and your family. With open enrollment around the corner for many businesses out there, it is important to sit down and have this important discussion with those that you love, check out what your company has to offer, and start thinking about the future. 
I know this isn't a topic that I normally talk about on the blog. I know that it is far from all the mama business, shopping deals, and everyday life that surrounds this little space of mine. But what I also know is that life insurance is a word that the young seem to steer away from, and unfortunately a topic that needs more awareness and exposure.

Why do young people not like to talk about it? Perhaps due to the lack of extra finances to open up a plan. Maybe the lack of knowledge of what life insurance is and what it will mean for them. And most importantly, lack of understanding of what life after death may look like to their beloved family members. So why am I, a 26 year old, talking about this today? Because I'm a mama now. Well, I've been one for quite some time. Not to mention that I am a wife. And also the fact that I am surrounded by both life and death where I work. Because I not only see the old pass but also the young. Young men and women in their twenties, thirties, forties, fifties. Women and men with young children. Some with older ones getting ready to head out to college. A daughter who is getting ready to walk down the aisle. A son who's the star quarterback on his football team. A wife who has been a stay at home mother for 10+ years. A lifestyle that they have worked so hard to build throughout the years. And then death happens. And it rips the family apart. It rips everything they know, everything they do, how they function, how they don't. And thus, they are forced to enter this new world of being a widow, left without their loved one, left with bills, responsibilities, and changes that they never thought for one second they would have to live with.

Perhaps I have reached the core of why young people don't discuss life insurance. Because by talking about it... it means that "it," in other words death, can actually happen. And the thing about it, is that it can. And it does. Car accidents happen. Heart attacks come unexpectedly. Cancer, in which we still don't have a cure for, strikes. And the unfortunate part is that these things can strike at any age, any time.

I was 23 years old when we opened up our first life insurance plan at my work which fortunately for us a very large amount was offered both for myself and my husband. I was surprised/impressed that ours actually offered something more than the typical 50k/100k plans that you typically see in work environments. Therefore, we took out the maximum amount allowed, which would far exceed a funeral, pay off our home and student loans in full, and give myself or my husband a 5+ year cushion to get our feet off the ground, get out of our depressed beds, and figure out how to get ourselves back in order.

We have maintained this plan since. Thankfully for me, it costs very little to us, and we view it as pocket change for what could be life changing if death did unfortunately strike. And we have further discussed opening up a separate private plan in the next couple of months to add onto the "cushion" of our life insurance. A cushion we do not exactly like to discuss over the dinner table, but as our family grows, know how important it is that we do.

When something as unfortunate as death of a loved one occurs, the last thing anyone would ever want is financial burden on top of the grief for their family members.

I hope that I will be one of the many that throws her money into an insurance plan that we will never have to use. Because that to me? Would mean that both my husband and I are still alive and living life with our children. But in the unfortunate event that we do? I at least know we are covered.

My husband and children are the most important people in my life. I hope I live to see my daughter's children be born. To watch my grandchildren graduate college. To travel and see the world. I hope I live to see the day my husband gets gray hair, is in need of a hip replacement, and needs a pill box to organize all his medicine. My hopes and dreams all revolve around my family, their health and security, and their future. And if a day comes that I won't be here to be a part of all these important milestones in their lives? My hope is that they will still be able to carry on those dreams of theirs with absolutely nothing holding them back - See more at: http://frommrstomama.blogspot.com/2012/08/the-life-insurance-movement.html#sthash.0IIRJhCf.dpuf
I know this isn't a topic that I normally talk about on the blog. I know that it is far from all the mama business, shopping deals, and everyday life that surrounds this little space of mine. But what I also know is that life insurance is a word that the young seem to steer away from, and unfortunately a topic that needs more awareness and exposure.

Why do young people not like to talk about it? Perhaps due to the lack of extra finances to open up a plan. Maybe the lack of knowledge of what life insurance is and what it will mean for them. And most importantly, lack of understanding of what life after death may look like to their beloved family members. So why am I, a 26 year old, talking about this today? Because I'm a mama now. Well, I've been one for quite some time. Not to mention that I am a wife. And also the fact that I am surrounded by both life and death where I work. Because I not only see the old pass but also the young. Young men and women in their twenties, thirties, forties, fifties. Women and men with young children. Some with older ones getting ready to head out to college. A daughter who is getting ready to walk down the aisle. A son who's the star quarterback on his football team. A wife who has been a stay at home mother for 10+ years. A lifestyle that they have worked so hard to build throughout the years. And then death happens. And it rips the family apart. It rips everything they know, everything they do, how they function, how they don't. And thus, they are forced to enter this new world of being a widow, left without their loved one, left with bills, responsibilities, and changes that they never thought for one second they would have to live with.

Perhaps I have reached the core of why young people don't discuss life insurance. Because by talking about it... it means that "it," in other words death, can actually happen. And the thing about it, is that it can. And it does. Car accidents happen. Heart attacks come unexpectedly. Cancer, in which we still don't have a cure for, strikes. And the unfortunate part is that these things can strike at any age, any time.

I was 23 years old when we opened up our first life insurance plan at my work which fortunately for us a very large amount was offered both for myself and my husband. I was surprised/impressed that ours actually offered something more than the typical 50k/100k plans that you typically see in work environments. Therefore, we took out the maximum amount allowed, which would far exceed a funeral, pay off our home and student loans in full, and give myself or my husband a 5+ year cushion to get our feet off the ground, get out of our depressed beds, and figure out how to get ourselves back in order.

We have maintained this plan since. Thankfully for me, it costs very little to us, and we view it as pocket change for what could be life changing if death did unfortunately strike. And we have further discussed opening up a separate private plan in the next couple of months to add onto the "cushion" of our life insurance. A cushion we do not exactly like to discuss over the dinner table, but as our family grows, know how important it is that we do.

When something as unfortunate as death of a loved one occurs, the last thing anyone would ever want is financial burden on top of the grief for their family members.

I hope that I will be one of the many that throws her money into an insurance plan that we will never have to use. Because that to me? Would mean that both my husband and I are still alive and living life with our children. But in the unfortunate event that we do? I at least know we are covered.

My husband and children are the most important people in my life. I hope I live to see my daughter's children be born. To watch my grandchildren graduate college. To travel and see the world. I hope I live to see the day my husband gets gray hair, is in need of a hip replacement, and needs a pill box to organize all his medicine. My hopes and dreams all revolve around my family, their health and security, and their future. And if a day comes that I won't be here to be a part of all these important milestones in their lives? My hope is that they will still be able to carry on those dreams of theirs with absolutely nothing holding them back - See more at: http://frommrstomama.blogspot.com/2012/08/the-life-insurance-movement.html#sthash.0IIRJhCf.dpuf
I know this isn't a topic that I normally talk about on the blog. I know that it is far from all the mama business, shopping deals, and everyday life that surrounds this little space of mine. But what I also know is that life insurance is a word that the young seem to steer away from, and unfortunately a topic that needs more awareness and exposure.

Why do young people not like to talk about it? Perhaps due to the lack of extra finances to open up a plan. Maybe the lack of knowledge of what life insurance is and what it will mean for them. And most importantly, lack of understanding of what life after death may look like to their beloved family members. So why am I, a 26 year old, talking about this today? Because I'm a mama now. Well, I've been one for quite some time. Not to mention that I am a wife. And also the fact that I am surrounded by both life and death where I work. Because I not only see the old pass but also the young. Young men and women in their twenties, thirties, forties, fifties. Women and men with young children. Some with older ones getting ready to head out to college. A daughter who is getting ready to walk down the aisle. A son who's the star quarterback on his football team. A wife who has been a stay at home mother for 10+ years. A lifestyle that they have worked so hard to build throughout the years. And then death happens. And it rips the family apart. It rips everything they know, everything they do, how they function, how they don't. And thus, they are forced to enter this new world of being a widow, left without their loved one, left with bills, responsibilities, and changes that they never thought for one second they would have to live with.

Perhaps I have reached the core of why young people don't discuss life insurance. Because by talking about it... it means that "it," in other words death, can actually happen. And the thing about it, is that it can. And it does. Car accidents happen. Heart attacks come unexpectedly. Cancer, in which we still don't have a cure for, strikes. And the unfortunate part is that these things can strike at any age, any time.

I was 23 years old when we opened up our first life insurance plan at my work which fortunately for us a very large amount was offered both for myself and my husband. I was surprised/impressed that ours actually offered something more than the typical 50k/100k plans that you typically see in work environments. Therefore, we took out the maximum amount allowed, which would far exceed a funeral, pay off our home and student loans in full, and give myself or my husband a 5+ year cushion to get our feet off the ground, get out of our depressed beds, and figure out how to get ourselves back in order.

We have maintained this plan since. Thankfully for me, it costs very little to us, and we view it as pocket change for what could be life changing if death did unfortunately strike. And we have further discussed opening up a separate private plan in the next couple of months to add onto the "cushion" of our life insurance. A cushion we do not exactly like to discuss over the dinner table, but as our family grows, know how important it is that we do.

When something as unfortunate as death of a loved one occurs, the last thing anyone would ever want is financial burden on top of the grief for their family members.

I hope that I will be one of the many that throws her money into an insurance plan that we will never have to use. Because that to me? Would mean that both my husband and I are still alive and living life with our children. But in the unfortunate event that we do? I at least know we are covered.

My husband and children are the most important people in my life. I hope I live to see my daughter's children be born. To watch my grandchildren graduate college. To travel and see the world. I hope I live to see the day my husband gets gray hair, is in need of a hip replacement, and needs a pill box to organize all his medicine. My hopes and dreams all revolve around my family, their health and security, and their future. And if a day comes that I won't be here to be a part of all these important milestones in their lives? My hope is that they will still be able to carry on those dreams of theirs with absolutely nothing holding them back - See more at: http://frommrstomama.blogspot.com/2012/08/the-life-insurance-movement.html#sthash.0IIRJhCf.dpuf


I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

22 comments:

  1. It is very important to get the life insurance plan for your family because it make you financially secured.

    ReplyDelete
  2. In unsigned man from Greece named Archie Karas paid $ 50 to Las Vegas for a sinful city. He did nt know if it was luck or versatility. He spent A lot of time. In just 3 years, the amount of his 50 gold coins has increased to 40 million US dollars, which is amazingly casino xanadu inscribed in the history of the gambling world. By the become old child maintenance was created, he was animate homeless in Las Vegas gone his own home. taking into account a few years of gambling genius a pubescent Greek who had to snooze in a casino hall and point of view into a man, he could easily door luxury rooms in the hotel by signing an annual contract next no frustrating bags at all.

    ReplyDelete
  3. Nice information, valuable and excellent design, as share good stuff with good ideas and concepts, lots of great information and inspiration, both of which I need, Very good points you wrote here..Great stuff...I think you've made some truly interesting points.Keep up the good work.
    cash for scrap cars launceston
    car wreckers launceston

    ReplyDelete
  4. I have read your excellent post. This is a great job. I have enjoyed reading your post first time. I want to say thanks for this post. Thank you.
    best cash for cars brisbane
    pick up cars for cash brisbane

    ReplyDelete
  5. Thanks for sharing such a great post There are many reasons to sell my car Brisbane and cash for cars is the main reason. We offer you as high as $9,999 cash that is paid on the spot. With us, even your worthless vehicle has valuesell my car for good money

    ReplyDelete
  6. Once satisfied with our free quote, customers can book an appointment with our team. Our team will come to your premises for inspection at your declared date, time, and location. And will present you with the final offerbest used cars gold coast

    ReplyDelete
  7. Give your unwanted vehicle to Car Wreckers Townsville is for people who have old cars piled up in their backyards with no correct way to dispose of them. In Australia alone, there are 500,000 end-of-life vehicles available annually.Wreckers Townsville

    ReplyDelete
  8. We purchase any type of old, damaged, scrap, junk, wrecked, and unwanted vehicles for as much as up to $9,999. One of the prime benefits of choosing us is that you will also get free car removal anywhere in Wangaratta. Cash for Cars Wangaratta

    ReplyDelete

  9. You should not let a financial hardship keep you from buying or selling used cars. If you sell my car for cash in Brisbane, you can take advantage of the many different options available to you. You can find the most affordable prices on the market when you sell used cars in Brisbane. You can enjoy a comfortable car to drive while saving money every month on fuel and maintenance costs.Cash For Scrap Cars Nundah

    ReplyDelete
  10. You should inspect the exhaust and the engine bay to ensure that they are clean. Any signs of rust on the body of the vehicle can lead to dangerous side effects. You can get the used Ford Wreckers for sale at affordable prices. There are many reputed online car dealers who offer Ford wrecker rentals at competitive rates. You can compare the prices offered by them and choose one that suits your budget. It would also be wise to get a mechanic to inspect the car before you finalize the deal.Toyota Wreckers Townsville

    ReplyDelete
  11. Some people find that cash for cars in Mansfield is also good for advertising their car. If you are trying to sell your car and are not getting any responses, you may want to consider putting up flyers that can be placed in your neighborhood. You can place these flyers around the area. If you live in a busy area where there is a lot of competition for the same used car that you are selling, you may find that you will be offered a fair price for your car. For additional information, you can contact the seller of the car that you are interested in.Cash for Cars Melbourne

    ReplyDelete
  12. After the process of cash for cars Adelaide has become more popular because they are able to provide cash for cars in the city that have some type of damage. There are many car dealerships that allow customers to simply pay cash upfront when they purchase a vehicle. These dealerships make money by selling damaged cars at auction. Some companies may require the buyer to pay a small fee if they want free towing as well. They may even provide free use of their delivery service.cash for scrap cars sunshine coast

    ReplyDelete
  13. Nissan Wreckers Brisbane can be considered as a hub for Nissan spare parts. Parts from this brand can be used in all sorts of automobiles such as convertibles, low mileage sedans and hatchbacks. They also sell Nissan parts for trucks and vans. If you are in need of Nissan parts Brisbane, no worries. They have a website that offers a comprehensive list of locations across the country.mazda wreckers near me

    ReplyDelete
  14. The area is known for its beautiful Highway 508, one of the most scenic roads in Washington State. It runs through the towns of Hillsboro, Tualatin and Cedar City. It is considered to be one of the best routes in the United States for driving between Vancouver and Seattle.unwanted car townsville

    ReplyDelete
  15. Thanks for sharing. We pay our customers instant cash up to $9,999 without any waiting time. It is our policy to not let customers wait for their money. We also provide free towing services, so customers save even more money when dealing with us. This strategy has been a great success with our customers in Queensland. Through this, we gained a lot of goodwill from our customers.
    cash for scrap cars sydney

    ReplyDelete
  16. If you're tired of paying the high price for your junk car, you should consider selling it for cash. You'll receive top dollar for your unwanted car from a company like cash for scrap cars ipswich. This service provides free pickup within 50 kilometers. You can also take advantage of a 24-hour cash for junk car service by cash for scrap cars. It doesn't matter if your car is running or not, they will purchase it and pay you cash for it.

    ReplyDelete
  17. Junk car removal melbourne services offer a safe, quick, and easy way to dispose of your used or old vehicle. These services buy any make and model, from any condition, and provide you with all the paperwork you need to protect your interests. Whether you need to get rid of your old car or need to make room in your garage, these services will help you with all the hassles. In addition, they will pay you cash on the spot.

    ReplyDelete
  18. When it comes to disposing of your unwanted vehicle, it is important to choose the rightcar wreckers hamilton. These services will remove all reusable components from the car, including interior and exterior panels, hardware, tires, and wiring. They will also remove all fluids, including gas and oil. These fluids will be extracted and used for other purposes. Once this process is complete, your car is ready to be recycled.

    ReplyDelete
  19. The best sell my car gold coast services offer free junk removal and instant quotes. All you need is a computer and an internet connection. Using their service is easy and fast, and they answer all of your questions about your vehicle. There's no need to worry about taking your car somewhere; they'll remove it for you. If you're tired of paying towing fees, you can even choose to get your car removed for free.

    ReplyDelete
  20. There are many advantages of getting Townsville Cash for Cars. Unlike a car dealership, there is no loan process required to sell your old car. In addition, you will never have to worry about hidden costs or fees. You can sell your car quickly and easily and receive cash in your pocket in no time. You can also use this money to upgrade your car, such as installing a new stereo system, repainting it, or refitting it with a new stereo.

    ReplyDelete
  21. If you're in the market to sell your car, cash for cars kedron is a good option to consider. There are several benefits of selling your car with this company, and you can get rid of your old vehicle without any hassles. Listed below are some of the most significant features of Cash for Carts Kedron. These points will help you decide whether it's the right option for you. Once you've decided, the next step is to get the cash for your vehicle.

    ReplyDelete
  22. If you're looking for cash for scrap cars ashton, MD, you're in luck. A scrapyard located in the area offers car removal services for free. If you're interested in selling your old car for cash, USJunkCars is the best place to start. This company also offers car recycling and has auto wrecking and repair facilities. You can contact them by phone or online for more information.

    ReplyDelete