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It's been 4.5 years since my dad passed away. It's hard to believe that much time has passed by because it still sometimes feels?like it was just yesterday. His death was shocking to us all. One day he was fine, the next he was talking about really weird stuff. It was scary and we knew something was wrong. My mom took him into thehospitalEmergency department where they ran some tests and found out he had pneumonia. I'm not really sure they ran any others at that time and before we knew it, he was out of the ICU and in his own room, recovering. We stayed by his side for the better part of the almost week that he was in the hospital, going home only to eat and rest. While we were gone one day, he suffered from a stroke and was back in the ICU. He suffered another and they did emergency surgery. He never came back from that - his body did, but his mind was gone. He'd suffered brain damage from?the stroke and before we knew it, the Doctors were calling us into a meeting room to discuss our options. They said he would never recover and would live in a vegetative state. They said that he probably didn't even know who we were anymore as there was very little brain activity. His worst nightmare had come true and we couldn't let him suffer anymore. It was his time to go and as a family, we had to make the hardest decision of our lives; to let him go and start thinking about life insurance. Get more information from Protective Life.
The world shattered in an instant for my family. One day my dad was here, the next we were saying our good-byes. We couldn't wrap our heads around it. So many decisions needed to be made and arrangements needed to be taken care of. That's when we found out that he had lost his life insurance when he'd lost his job the year before. It certainly made things more difficult and it put a burden on his family to figure out what to do. We still owe most of his funeral costs, so we've never been able to get his ashes from the funeral home. That stings every time I think about it.
September is national Life Insurance Month and it's reminded me of the difficulties that we've faced without it. Protective Life has some great articles about why we should all carry life insurance?and it's reminded me what I need to do for my family, to ensure there is no burden on them should something unexpectedly happen to my husband or I. We'd literally be screwed because our incomes are both important for our family. One of us would have a hard time covering our expenses alone and our boys?would be the ones to suffer.
There are some very valid points that need to be considered, especially what kind of financial situation you're in at the time of a loved ones death. My family would have a hard time. We wouldn't be able to pay funeral expenses out of our pocket, so my husband or I would end up in a storage room just like my dad. We might be able to make the house payment, but it would be tight - we'd probably have to change our diet to one of Raman Noodles and Mac 'n Cheese. My kids would most definitely never go to college, unless a miracle came our way. We'd never be able to take a family vacation and my kids would never get to experience white sand and palm trees.
There are so many things to consider when planning for your future and it's important to think about the "what ifs" because you just never know when life is going to throw you a curve ball.
Have you experienced an event which compelled you to learn more about life insurance? Please share your story below!