Nicole's story, in her words
When I was a kid, my family lived next door to an insurance salesman. He was always trying to sell my parents life insurance. They were always trying to avoid him.
“Brett’s just out to make a buck,” they’d say to us kids.
If only that were true.
I can take care of myself. That was my dad’s philosophy when it came to finances. Doctors, too. Dad once fell off a roof (he was a carpenter by trade) and cracked his skull on a ceramic planter. Instead of calling 911, he drove himself home with blood pouring from his head.
I lost my dad when I was 21. He’d been sick for many years, but we didn’t know why until it was too late. Dad’s autopsy showed he died from a bacterial infection in his brain.
Would things have been different if he’d called 911 that day? We’ll never know. But we do know this: Things would’ve been much, much different if Dad had purchased life insurance.
After Dad died, Mom was broke. A homemaker who’d raised nine kids, she had her Social Security – and that was it. No pension, no retirement savings, nothing. She couldn’t afford even the most basic services. Mom spent years paying back the funeral home. Sometimes just $10 a month.
The way I see it, not having life insurance is a mistake. A mistake I’m not willing to make. That’s why my husband and I both have personal life insurance (plus term insurance through our jobs). And it’s why both of our children have been insured since birth.
The way I see it, not having life insurance is a mistake. A mistake I’m not willing to make.
Thankfully, it’s not a mistake my mom made, either. Shortly after Dad passed, she got coverage for herself. It wasn’t much, but it was enough. When Mom died a few years later, we were able to pay for the services up front. We bought a beautiful urn for her ashes. Each of us kids got $100.
I think death is like the nose on your face. It’s always in your line of sight, but you don’t actually see it. You know it’s there; it’s real and unavoidable. But, somehow, you block it out.
Grief is painful enough. When you add financial stress, it becomes unbearable. Trust me, you don’t want to learn this lesson the hard way.
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No one expects to have a fatal accident, get sick or die too soon, but what if? What if those who depend on your income no longer could? Term life insurance can be an affordable way to get the protection you need to keep your family, your business, and your hopes and dreams alive. With term life insurance, your beneficiaries receive income-tax free money if you die during the term period – without the delays and expense of probate.