Three years ago, I ended up in the emergency room for a few days. It kind of came out of nowhere, none-the-less I was in captivity. I am a light sleeper, so every hour I would wake up when they came in to check my vitals. Shortly before midnight a nurse came into my room, she did not know I was awake. It was dark, but I could tell she was crying. I sat up the best that I could and asked her what was wrong.
She was a little startled, but eager to talk. She was 28 years old, working per diem about 20 hours a week. Her husband had recently had a routine surgery. She had two younger children, two financed vehicles and a new home. For 28 years old, I would say that’s impressive, definitely hard workers. Her husband went to work one day and never made it home. Right now, the whole world is resting on this young lady’s shoulders, a mortgage, two vehicle payments, two young children and working part time. She said, “I will have no choice, I will lose my house, vehicles, and be forced to move.”
My heart hit the floor. How could it have been that two weeks ago a future had been so bright and drastically changed so quickly?
Life insurance is like any other insurance, only more important. Everyone insures their cars and homes, but when I ask each family what is most important to them, they all say their families.
We take for granted the fact that I will see my family later. In fact, none of us woke up today and said, “I’m going to be in a car wreck or my house is going to burn down.” None-the-less accidents happen. How we prepare for the accidents is what can allow us to continue our way of life.
I have some friends who had a daughter that was in her 7th year at Medical School and they had received a call that their daughter had died. I could not imagine the devastation or possibly fathom what they went through. Dealing with all of this and then finding out that they co-signed for her student loans, making them responsible for repayment, took matters from horrible to worse. A life policy would not have saved their daughter, but it would have helped by giving them some peace and comfort. Peace and comfort knowing they could take some time off of work to be with their family, or knowing the loans would have been paid. My heart goes out to them and anyone that experiences situations like this. Take measures now, so if you are faced with a similar situation, you can protect yourself as much as possible.
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