Life Insurance, A Living Will…I know-Sour Subject

What a difference a week makes-I tell ya. Sorry I haven’t posted but not only did my PC take a dive, we have had so much going on. This has really been a week full of happenings! I am not big on celebrities but the death of Michael Jackson was a shocker! As a kid, I can not tell you how much I idolized him. I am sure he will be missed. It is a huge reminder that life is precious and you are never promised another day…rich, poor, celebrity or just your average Joe. Sometimes we all push things off for tomorrow but what if tomorrow never comes?

I know, you hate to think about that stuff and I know I do too. My husband and I go back and fourth on this topic- a lot. Somehow we will get to talking about life insurance or creating a Will and we just push it off until the subject comes up again or until someone dies and we are reminded of it again. I mean who wants to talk about death? I don’t! The truth is though, we all will die one day and that is life.

I have life insurance. My husband does not. If something were to happen to him right now, I would be OK but struggling. Luckily we have no more credit card debt or else I would be screwed. Because I make more than him right now, if I died, he would not be able to cover the bills and he and the kids would be in deep trouble if I did not have life insurance.

However, I realized what I have wont be enough. I really did not put any thought into that when I got the policy. I just got it because it was cheap and easily deducted from my paycheck at work. I honestly always thought life insurance was a scam or better yet-a waste of money. Who wants to pay for something that you have no use for until you die and then obviously…you’re dead-what do you need it for? The truth is, it is for your peace of mind when you are living. And it benefits your loved ones when you die.

A Living Will? Who would get our kids if we don’t have one? We don’t have one! And we realized that if something were to happen to us, my kids may go to someone or somewhere that we wouldn’t want them to be. It could happen folks. We have seen it happen and I am sure you have too.

So today, not tomorrow, I am exploring life insurance policies for my husband, seeing how I can upgrade mine and working on getting a Living Will in place.

Something else is happening within my immediate family that brought a lot of this up too. It is a waiting game right now though and once I know more, I will post about it. It will change so many things in my life…in our lives and I am not sure how to even begin to talk about it. (nothing bad-just complicated)