What is your post-life plan? Do you have one? Are you prepared for the unexpected? That sounded like a commercial that I read back to myself with a game show host voice but, it's a serious question. I just turned 40 this year and it really put a new spin on things. Do I want to get life insurance yet? I want to make sure that all of my life goals are still met even if I am not here to complete them. In case you are wondering, for my family, being protected is my life goal.
Just to put this out there, I don't want to come off as depressed or thinking my life will end any time soon. I actually have a 100-year plan that I am hoping to pull off. Not that I have anything specific planned for that 100years but, I am hoping that it works out that way. I love my family and want to know they are ok financially. Going through the loss of a loved one is hard enough. Adding a financial burden on top of grief can make things so much harder.
It's a deep thought for me. When I was young, only 7 years old, my father passed unexpectedly in an automobile accident. Our family was devastated. He planned ahead and had life insurance, even at 26 years old his thought was always for the best for our family. It was a tough time. He was always proud knowing that he provided for us the best way that he could. Being insured was the way he knew he would be able to do it, even in death. I always wondered what thoughts he had that lead him to want coverage at such an early age but, I am happy he did. It would have been even harder on our mom had he no gotten the coverage.
Starting my journey with life insurance I wanted to do research. How do I know which one is best? Where do I find a term life insurance quote? Since this post isn't a "How To" kind of post, I will just say that "Term Life" is the most affordable option that I have found so far.
There are a lot of things that you can do ahead of time that will help your loved ones go through a life-changing event. Being prepared for the unexpected is the best way to go about it. You can have a funeral home picked out. That will save the family from any questions that they may have for your final wishes. If you do not want to go that route, you can have a crematorium, urn, and destination for your remains already set up.
There are a lot of things that you can do ahead of time that will help your loved ones go through a life-changing event. Being prepared for the unexpected is the best way to go about it. You can have a funeral home picked out. That will save the family from any questions that they may have for your final wishes. If you do not want to go that route, you can have a crematorium, urn, and destination for your remains already set up.
Planning for life can be tricky, planning the event of your death doesn't have to be so consuming. You can do your best and get life insurance to cover all of the things you won't be here to cover. Do you want to put your kids through college so they can have a good future? Pay off your mortgage so your family doesn't have to lose you and their home? There are many events that you have to be prepared for in life and those things don't go away just because your life is over.
Choosing your beneficiary may be a complicated choice. You can easily go with your spouse or children to receive your insurance payout but do you want them to have to handle all of the stressful sortings? If you have more than one person that you want to receive the death benefit, make sure that the person you choose to carry out your wishes is trustworthy and also, be prepared with a will. The person named as the executor in the will is in charge of moving the will through the probate process and doing all the work of managing and distributing the assets.
From the comfort of the chair, you are sitting in right now, you can get a term life insurance quote that can help you protect your family forever.
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