The Young Widow - Hindsight Knowledge - Life Insurance
So, a little while ago I asked a question here. I asked why it was easier to spend $35 on cable than on life insurance and I got a few responses. This was obviously a loaded question for me. I was in the midst of doing something about all the hindsight knowledge I was, and still am, receiving.
Hindsight knowledge has this way of coming down on you HARD. It sometimes makes you feel like a complete idiot. You can't help but ask yourself why it had to come to this for you to realize what you should have known all along. Hindsight is not for the faint of heart. I tend to dive into things in order to learn and understand them before making decisions. I am also the type of person that compels others to please learn from my hindsight. My mother used to call it 'Joan of Ark Syndrome'. It is my insatiable need to help others by not letting them go down the paths that have proven to lead to pain, hurt, or other negative outcomes. Of coarse, some of you will walk down the path anyway, but at least you know what to expect.
I am but a young girl. I am supposed to be enjoying my third year of my thirties along side my handsome young Prince. We were love personified and had our whole lives in front of us. I had no idea that his whole life could be counted on one of my hands. We did what most of the young married couples out there did. We planned our debt, not for our deaths. I have a daughter. What was I thinking?! How irresponsible can I be. I knew better than to have left this undone. Anyway, we planned our trips. We planned for our home. We were even working on our 3rd year of our 5 year plan to live on our own without the aid of corporate america. Then I was let go of work and 5 months later My Prince was no more and nothing matters anymore. We were level headed and had long term goals. We were doing everything right in due time. We had separate accounts and had planned to make them POD to each other or directly to our daughter. He had a life insurance policy from work, he just had to change the beneficiary. We celebrated our 3 wedding anniversary less than one month before he died. We had plenty of time. Getting all of this done was part of our 5 year plan after all.
Being left behind and having to pay for everything while out dated beneficiaries receive his assets does not make me angry. I didn't marry my husband for money. We didn't have anything anyway. I knew he wanted to take care of me and what his plans were. I know being here without him was not what we expected. What upset me is that it could have just as easily been us both. What was to become of my daughter? What good is a mortgaged home to a 9 year old? My own blissful irresponsibility has made me upset. So I picked up all of this anger, called a dear friend of mine, and asked the questions that needed to be asked. I am still in the process, but I am preparing my daughters future in the event that I am not here to enjoy it all with her. It is scary, but it is the right thing to do. It is leaving me at peace and completely satisfied.
So, thinking about this is not fun, especially if you have not lost anyone yet. Those who grieve are able to see clearly how delicate and unpredictable life is. Do you feel fine? So did My Prince. There is no earthly reason that he should be gone right now. Death tends to not make any sense. If you are married or have children or both...YOU NEED LIFE INSURANCE! There is no alternative. I pay $40 a month for my cell phone every month. Cable starts at $30 a month. That you would invest in talking nonsense and starring at a television to satisfy your need for now and not take care of your own is crazy. Especially since the right life insurance policy can get your family hundreds of thousands of dollars for that amount. Am I saying to go without the things you like, absolutely not but please prioritize. Did you know that the average, modest funeral and burial can easily cost $30,000 today? And we are talking bare essentials, nothing but the basics. Who is going to pay for that for you? Do you have it in your savings account? Life insurance can pay for it! How about the mortgage? This is what life insurance is for.
I am analytical and I like to put things in perspective. One of the policies that was offered would have cost me $420 per year ($35 per month). That is not much. Game consoles and IPads at Christmas cost more than that. In order to save the amount of money a beneficiary would receive for that policy, I would have had to live for more than 1,200 years. Okay, so I feel like I will be here for a long time, but c'mon. It doesn't take a genius investor to see that this is not a bad deal, right? I am not in the position to leave my daughter with huge amounts at all. I don't work right now. She will have a secure home & she will not have to worry about my death expenses. We talk about wanting the best for our children and giving them good lives but when did that translate into the accumulation of useless stuff and the satisfaction of instant gratification? I mean really, what do I have right now, a bunch of furniture and debt. Please think back. Would you want your mother's seventies furniture? How about the collection of videos and records (now DVD's and CD's)?
Because of my situation, I decided to let go of cable in order to do this. Your situation is different. You didn't have to go thru the pain that I did to learn this and I pray that you never have to in order to gain some perspective. My decision gave me a wonderful gift as well. I have no health insurance. I always hated paying it and hardly ever used it but grief gives you a lot of 'symptoms' and can make you nervous. When choosing a good life insurance company, they actually do a complete blood work up. I hate needles, but I didn't have to pay for it and I am as fit as a fiddle! They even came to the house to do it!
Derek Desalvia took amazing care of me. He customizes to fit any budget and the plans can be added to when things are better (financially). He works for a national company, so it doesn't matter where you are, get your questions answered!
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