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Life Is So Unpredictable : Are You Prepared? What If Something Happens To You Suddenly?

Updated on March 12, 2017
Life is uncertain--Act Now!
Life is uncertain--Act Now! | Source
Life is beautiful but vulnerable!
Life is beautiful but vulnerable! | Source

Life Is So Uncertain!

© Chitrangada Sharan April 2015

All Rights Reserved.

  • Everyday we make plans for our future.
  • Most of us do not want to think about this that 'Human life is so vulnerable.'
  • What if something happens suddenly?
  • It could be an accident, a natural disaster or a man made disaster.
  • Are we prepared for it?
  • Have we made sure that our families may not face any hardships, at least financial crisis after the close ones have passed away?

Some of these thoughts were bothering me and thus this article.

If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.

~~~Suze Orman

Life is uncertain!
Life is uncertain! | Source

What If Something Unthinkable Happens To You Or Your Close One---?

  • Life is so unpredictable and most of us are not organised enough to face the contingencies.and their consequences.
  • Men or women, whether young or old do not want to discuss or prepare for passing away at any stage of their lives.
  • These days there is an increase in diseases caused by faulty lifestyle which may lead to serious life threatening diseases or sudden death.
  • There is no doubt that people are working round the clock to earn good amount of money to make their lives better and save for the future as well.
  • But isn't it important to devote sometime to document those earnings and savings, if 'God Forbid', something adverse happens?

Share passwords with your trusted one
Share passwords with your trusted one | Source

Please Sit Down And Do It 'Now'!

♥ Make A Diary:

  • Sit down along with your spouse or whoever is the closest to you, but it should be adults of the family.
  • Write down the important details of your financial details. For example movable or immovable property.
  • This may include your land/ bungalows/ flats and cars/ two wheeler vehicles and others.
  • Make organised files of original certificates of ownership of these properties as well as their Xerox copies.
  • Also attach files of 'Loan' papers( if any) and their payment receipts. Include each and every detail regarding your property and also make someone your 'nominee.'

♥ Bank Accounts And Other Savings/ Investments Details:

  • In another section, note down the details of your bank accounts and other savings details.
  • There can be an individual account or joint account of family members. In any case there is always an option to name your nominees in your bank accounts.
  • Since most of us operate through on line transactions nowadays, it is important to share passwords with your joint account holder.
  • Its not wise to write passwords in the diary but there are other ways to share passwords with your close ones, that only both of you know and remember.

Life is precious because it is uncertain!
Life is precious because it is uncertain! | Source
Life Insurance and Medical Insurance is necessary and should be documented and shared with your close ones
Life Insurance and Medical Insurance is necessary and should be documented and shared with your close ones | Source

Write Your 'Will' !

♥ Write Your 'WILL' :

  • Young or old if you are an earning member of the family and you have children and elderly parents dependent upon you, its wise to write your 'Will'. You can take expert legal advice in this regard.
  • The most irresponsible thing that we can do to our families and our loved ones is to not be prepared ourselves.
  • It is important to ensure that we have designated someone whom we can trust our valuable assets.

♥ You Can Safely Keep Your Documents On line:

  • There are easily available apps to safely keep your passwords that can be available to your nominee or next of kin in case something happens to you suddenly.
  • I am a bit apprehensive about this and not sure but the tech. savvy young generation vouch for this.
  • A Google search can lead you to many such options. But its better to get properly educated and informed by experts before going for these apps.
  • This is one of the most needed and important act of love and blessings you can give to your close ones for whom you care.

♥ Life Insurance:

Most of us do get Insurance for Life and appoint nominees as well.

Document the original Life Insurance Policy and pen down the details as well. This should include the commencement and maturity dates of the Insurance policy you have taken.

Also note down the premium amount and the period/ date/ month when it is to be paid and share it with your trusted one.

Life Insurance is necessary
Life Insurance is necessary | Source
Source

Have you made your 'Will'?

See results

To Conclude:

Life is so uncertain!

Can we ignore this truth!

Can we deny it!

We can live in some dream World where we refuse to think about it---

--- but can we change the reality that it will happen to everyone, including me.

Most of us may even have such situations in life other than passing away, in which we will need help in handling our financial, legal, and medical affairs.

Its better to be prepared than sorry! Think it over!

© Chitrangada Sharan 15th April, 2015

All Rights Reserved.

PROTECTED: PLEASE DO NOT COPY!

WWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWWW

EVault and Recovery Review, source: You tube

Writing a will online, source: You tube

© 2015 Chitrangada Sharan

Life is uncertain! Are you prepared? Please share your views in the Comments section.

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    • billybuc profile image

      Bill Holland 2 years ago from Olympia, WA

      All good advice my friend. This is something we definitely need to do soon.

    • Kylyssa profile image

      Kylyssa Shay 2 years ago from Overlooking a meadow near Grand Rapids, Michigan, USA

      Also, at least in the United States, you should document what you'd like done with your remains, sign it yourself, get your children, siblings, and spouse to sign it in front of a notary and have the document notarized. Also, store it with the official death records of any children, spouse, or siblings that may have pre-deceased you.

      My father had written down that he wanted to be cremated and he'd talked about it for decades, but when he did die, money plus his wishes weren't enough to get him cremated. We needed to provide notarized releases from all close relatives and proof that my mom was deceased, resulting in a delay in his cremation.

    • Harishprasad profile image

      Harish Mamgain 2 years ago from India

      A great advice that must be heeded to by everyone who cares about his/her loved ones. You have such an wholesome approach toward this unpredictable life. I salute you for this farsightedness.

    • Padmajah Badri profile image

      Padmajah Badri 2 years ago from India

      Very thoughtful topic.You have clearly explained the degree of uncertainty and the outcomes.Being a mother ,wife I think this is important for every woman.Hats off to you ..

    • MarleneB profile image

      Marlene Bertrand 2 years ago from Northern California, USA

      I like the quote you shared, "They say people protect what they love, so what are you insuring?" What we protect says a lot about who we are and what we value. Your tips for protecting what is valuable is all very useful and reminds me that I need to write out a will.

    • Faith Reaper profile image

      Faith Reaper 2 years ago from southern USA

      Important topic and great insight as to the uncertainly of life, for none are guaranteed a tomorrow. This may sound a bit morbid, but my husband and I have a black file that we call our "Death" file, and it has all the information in it, as you have sighted here, plus details on our funerals and burial if we both go at the same time in an accident or whatever. We have told our children about it and where it is located, with all the important phone numbers to contact and such. We believe it is a great help to those who maybe mourning loss of a family member and are not thinking as soundly as they should, and this would help one go through the necessary details if something should happen.

      Up Interesting and useful, tweeting and pinning

      Blessings

    • Venkatachari M profile image

      Venkatachari M 2 years ago from Hyderabad, India

      Very important and useful topic. You have correctly stressed the need for it. It should be of much help to all those who really care for their dears.

      Voted up and useful. Sharing on G+

    • travmaj profile image

      travmaj 2 years ago from australia

      Oh my, how easy it is to put this off. A great reminder and important information, I will now apply myself to the task. Time passes so quickly and no matter what age we are we can convince ourselves we are invincible. Thank you again for this important reminder.

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you billybuc, for your kind visit and your comments are always appreciated!

      Glad you found this hub useful.

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you Kylyssa, for your kind visit and comments!

      Your comment is informative for me, because I didn't know that there are rules like this regarding the 'remains.'

      In India usually people are cremated. Though it is important and legal to get the death certificates made.

      Appreciate you for sharing your personal experience about your father and your insightful comments.

      Thanks again!

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you Harishprasad ji, for reading and commenting on this hub!

      Glad you liked the subject and understand the importance of it. I really feel that life is very unpredictable. We keep on making plans as if we are here forever.

      I feel humbled by all your appreciative words. Many thanks!

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you Padmajah Badri, for your kind visit and comments!

      Glad you liked this hub. As a mother and as a woman I understand your sentiments. I believe women have the most important role to make their families aware about this.

      Many thanks for your appreciative comments!

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you MarleneB, for your kind comments!

      I am pleased to know that you liked the subject of this hub. This is indeed very important to make a 'Will.'

      Your feedback and support is always appreciated. Thank you!

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you Faith Reaper, for your insightful comments!

      I was a little uncertain and apprehensive to write on this subject. But I am satisfied to see the great responses and valuable feedback such as yours.

      Your comments will make many people aware to take steps in this direction.

      Many thanks for your valuable comments, votes and share!

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you Venkatachari ji, for reading and commenting on this hub!

      I am glad that you found this hub useful.

      I truly believe that life is unpredictable and we must be prepared to deal with such situations.

      Thanks for voting up and sharing on G+.

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you travmaj, for your kind visit and comments!

      I am satisfied that this article has spread some awareness. Although while writing, I was a little bit apprehensive of this as to how people will take it.

      Many thanks for your positive feedback!

    • Dim Flaxenwick profile image

      Dim Flaxenwick 2 years ago from Great Britain

      Excellent reminder of how fragile life is. No one is bulletproof. You make many good points that concern all of us.

    • Nell Rose profile image

      Nell Rose 2 years ago from England

      Great advice, and something that everyone should do whatever their age, voted up and shared! nell

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you Dim Flaxenwick, for your kind visit and comments!

      Glad you liked this hub. Thanks!

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thanks Nell Rose, for reading and commenting!

      Appreciate your stopping by, votes and support! Glad you liked it!

    • manatita44 profile image

      manatita44 2 years ago from london

      Well, my sweet Friend,

      I have made a Will. Not much in it, but perhaps I will get a wooden box. :) Interesting article and worth pondering upon. Your man Eckhart Tolle says that all we ever have is the Now, so yes, anything can happen. A Hub worth thinking about. Peace.

    • MsDora profile image

      Dora Isaac Weithers 2 years ago from The Caribbean

      I've started Chitrangada; but you encourage me to finish. My children refuse to talk about it, but I know its in their interest. Thanks for your very bold but useful presentation.

    • denise.w.anderson profile image

      Denise W Anderson 2 years ago from Bismarck, North Dakota

      I work for a fellow who does this type of planning for farmers and ranchers and have seen firsthand what happens when people are not prepared! Since then, my husband and have created a portfolio with our documents, as well as having a master list of all accounts, passwords, etc, kept in a safe place. We feel like we are a step closer now than we used to be!

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you manatita44, for your kind comments!

      Glad you found this hub useful. The whole purpose of this exercise is that our loved ones should not face any problem, especially regarding bank accounts, passwords, Insurance claim etc.

      Thanks again!

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you MsDora, for appreciating this hub!

      Yes I was a little apprehensive while writing on this subject, as to how readers will take it. But I am satisfied with the response.

      And you are right, children would not like to talk about it, but this will make things easier for them.

      Thanks for your positive feedback!

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 2 years ago from New Delhi, India

      Thank you denise.w.anderson, for your kind visit and positive feedback!

      I am glad that you understand the necessity of this hub. We are not getting any younger and this applies to everyone.

      The real problem starts for close relatives, when something happens suddenly. Non availability of such details can add misery to the emotional trauma.

      Your insightful comments has further added strength to this hub.

      Thank you!

    • Thelma Alberts profile image

      Thelma Alberts 2 years ago from Germany

      Great advice. I have been planning to do some of what you have mentioned above but until now I haven´t. Thanks for reminding me. Voted up, useful and shared to fb.

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 24 months ago from New Delhi, India

      Thank you Thelma Alberts, for reading and commenting on this hub!

      I am glad you found this useful and many thanks for voting up and sharing on FB.

      With regard to the Earthquake that happened in Nepal and some parts of India day before yesterday, leading to vast devastation and destruction of life and property, I wonder how should we define the word, 'sudden' or 'prepared'.

      Thanks again!

    • dghbrh profile image

      deergha 23 months ago from ...... a place beyond now and beyond here !!!

      Very useful and practical hub dear friend. Keep up the good work. Voted up and shared.

      Apart from the will I have almost done other parts as you have systematically put out above. I am maintaining a detailed spreadsheet with all my investment plan and take a print and keep in our common drawer so that it is available in case of an emergency with a periodic update with all changes.

      Thank you for many other inputs.

      Take care and have a nice day ahead.

      Deergha

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 23 months ago from New Delhi, India

      Thank you Deergha, for your lovely comments on this hub!

      I am glad you understand the importance of 'being prepared' and have organised everything in this regard. Nowadays I can see more and more people conscious about this and this is very thoughtful of them.

      Many thanks for voting up and sharing this hub. Wish you all the best and good day to you!

    • sriv profile image

      Parul Srivastava 23 months ago from Lucknow,India

      Life is so uncertain.Good tips on preparing ourselves in case something happens to us.

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 23 months ago from New Delhi, India

      Thank you sriv, for your kind visit and positive comments!

      Glad you understand the importance of this subject. Thanks!

    • aviannovice profile image

      Deb Hirt 22 months ago from Stillwater, OK

      As unpleasant as this is, it must be discussed if you have family. Everything must be properly set up and available to next of kin. This is a great article that must be shared, far and wide.

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 22 months ago from New Delhi, India

      Thank you Deb Hirt, for reading this article! I am glad you understand the necessity of 'being prepared'. Thank you for commenting and sharing this hub!

    • peachpurple profile image

      peachy 21 months ago from Home Sweet Home

      Add Your Commenope, i haven't made my will yet

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 21 months ago from New Delhi, India

      Thanks peachpurple, for stopping by and commenting!

    • Jodah profile image

      John Hansen 18 months ago from Queensland Australia

      This is a very important and useful hub Chitrangada, and I really needed to read it right now. A close friend of mine told me a month ago he found out he had lung cancer and he was going to the city for tests. I was told three days ago that he had passed away.

      He was only 57 years old, and died within a month of finding out he had cancer. This was too close to home I need to make sure I take your suggestions as have everything prepared because nothing is certain. Thank you for sharing.

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 18 months ago from New Delhi, India

      Thank you Jodah, for reading and commenting on this hub!

      I feel so sorry for your friend. It is really unfortunate to happen this to someone.

      Life is really very uncertain. We can live in some dream World where we refuse to think about it but can we change the reality that it can happen to anyone.

      Most of us may even have such situations in life other than passing away, in which we need help in handling our financial, legal, and medical affairs. Its better to be prepared.

      Thank you again!

    • Padmajah Badri profile image

      Padmajah Badri 18 months ago from India

      Chitragadha ..This hub is most powerful one and it sends a strong message to all the people who prioritize their family as first.I make it a point to read this hub whenever I sense small uncertainty and it helps me to plan for the next actionable step.Wishing you good luck and requesting you to write more on similar topics.Happy Writing!

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 18 months ago from New Delhi, India

      Thank you Padmajah for revisiting this hub! I feel honoured by your such generous comments and appreciation of the hub. Really glad to learn that this hub is helpful to you.

      Wish you happiness always and all the best! Thank you for your support.

    • DDE profile image

      Devika Primić 16 months ago from Dubrovnik, Croatia

      Life should not be taken for granted and enjoy each moment. The present is so important. The greatness in this hub shows me to be prepared.

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 16 months ago from New Delhi, India

      Thank you Devika! It is always a great pleasure to read your comments! You are right, living in the present is so important!

      Thank you and have a good day!

    • Peggy W profile image

      Peggy Woods 13 months ago from Houston, Texas

      This is so very important! I am continually amazed at people who keep putting off this job. My husband and I have not only our wills, but living wills in place. The latter is equally important. Happy to share this hub with others.

    • ChitrangadaSharan profile image
      Author

      Chitrangada Sharan 13 months ago from New Delhi, India

      Thank you PeggyW, for reading and commenting on this hub!

      Yes making a Will is so important and it is so thoughtful of you and your husband that you have made the living wills as well.

      Most of us may even face such situations in life other than passing away, in which we need help in handling our financial, legal, and medical affairs. Its better to be prepared.

      Thank you for appreciating and sharing!

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