My mom was an incredibly healthy person. She was rarely sick a day in her life, exercised regularly, ate mostly vegetarian and healthy meals, and had no vices. She didn’t drink, smoke or do anything that would cause health risks. I was absolutely flabbergasted one day when I was dropping off my son for her to babysit before I left for work when she told me, “I am not sure what is wrong with me. I can’t get my pants to zip and I feel horrible.” I took one look at her and said, “You need to call the doctor as soon as he opens today.” I knew it was bad news when she called me later in the day to tell me she was being seen by an oncologist the next day. What followed was seventeen months of torture for the entire family as she battled stage four ovarian cancer and uterine cancer. Watching as the cancer spread quickly throughout her entire body and the pain she suffered, I made several decisions. I vowed to have regular checkups since I was at risk for cancer and I vowed to make sure my family was protected if anything happened to me.
Most people don’t think about the need to have life insurance when they are young, but I was worried about my family. I am the cook, the chauffeur, the house cleaner, the person who does laundry, you name it, I do it. I wondered, who would do this if something happened to me? Those jobs maybe under appreciated, but I knew it would cost a lot of money to replace these services. And, who would care for the kids while Bryan worked? My family would need money for this too! I didn’t want to be caught unprepared so while we were making sure our will was updated, we made sure we had an adequate amount of life insurance too. Bryan even upped his policy enough so if anything happened to him, I wouldn’t have to work until all the kids were out of school if I didn’t want too!
You can use this insurance calculator provided by Genworth to see how much life insurance you will need. I know discussing life insurance isn’t fun, but it’s better to be prepared.
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I am sorry to hear what your mom had to go through. I do agree with you, though – life insurance is something everyone needs to have to protect their family in the future.
Thanks for sharing your story, and so sorry for your loss!
What a great post Pam, soooo need to look into insurance for my family, the calculator will come in handy, thanks for sharing.
Thanks for sharing. Sorry about your mom.
I am so sorry to hear about your mom. I lost my dad at an early age and I wasn’t prepared either. When it comes to life insurance, I need to get something setup for my family. I am like you and my family counts on me so much. I worry about what would happen too, if something happened to me.
so sorry about your loss. My hubby has life insurance covered with the military.
Oh I’m sorry to hear about your mom. People always think being healthy is enough, but you just never know what life will throw you.
We used to have it before we had kids but got rid of it. We definitely need to get it back again.
Good thing to think of, especially now that we have kids
This is a prime example of the importance of life insurance. Sorry to hear about your mother.
It’s so important to have life insurance. I worked at an insurance office for many years and it was sad how many people had tragic things happen and not enough insurance to help them through it.
I’m thinking that at the very least you’d want to have enough to cover final arrangement expenses so loved ones aren’t burdened with that.
So sorry to hear about your mom! Great post.
my mom keeps telling me i need it. i think my husband actually pays into some sort of thing through work but i’m not sure. should prolly look into that 😉
I have always been worried about this as well and have a great life insurance policy. Now I need to work on the will. I’m sorry about your mom and what she had to go through.
My hubby has life insurance. I really need to get some on me as well.
Oh, that’s so horrible about your mom. Unfortunately, I hear similar quite often. You are right, it’s so important to get checkups and get life insurance!
I have often spoken to my husband about getting life insurance to protect our son but he claims we are too young for that. I believe it is better to be safe than sorry so the minute we can afford it I will def be getting a plan.
I am very sorry to hear about your mother. I also worry about having life insurance and how much is enough. I have always been a stickler about having it just in case. It is really vital that your family be taken care of if anything were to happen.
Oh my, I’m so sorry about your mom! I completely agree, Life insurance is so important (as are the checkups!)
I am so sorry to hear about your Mom! Someone I know just passed and they left a daughter behind…it’s so hard 🙁
My husband is in the military so we have always carried life insurance. I am surprised at the number of families we know who only insure the husband if the wife is a SAHM. At the very least, I think families should have enough to cover childcare expenses and a housekeeper if something should happen to the mom. Ideally, my husband would be able to quit his job and become a stay-at-home parent to help provide the emotional structure and support for the kids.
So sorry about your mother. Make sure you are seen regularly.
My husband and I have had life insurance from an early age and increased it as needed. Even now with grown adult children, we keep our life insurance policies for assurance that each of us will not have to panic financially if something happens to the other.
Great post!
Really informative post. Being military me and my family are covered but even before I signed up for the military hubby and I had insurance just incase something happened to one of us the kids would be taken care of.
I’m so sorry to hear about your mother. No one thinks that something like this can happen to them until it strikes close to home. Ever since my mom was diagnosed with cancer, that feeling of invincibility I used to have has definitely disappeared. Very informative post.
Thanks for being so informative, Pam!
That’s a long time your mom (and family) suffered with the cancer. I hate cancer 🙁
I am so sorry about your Mom. We just never know what life is going to throw at us, so you are very right that we should all carry life insurance.
So scary. When my aunt got cancer it was sort of sudden, though she had been to the doctor several times the 3 years prior to her diagnosis complaining of a lump but they never did anything. My condolences on your mother.
I am so sorry about your mom 🙁
Now i know why life insurance is important and why do i need it. Thanks to you
My husband and I actually discussed this the other day. I said if something happened to me, you would have to make arrangements for childcare, feeding the kids, getting them home from school, the shopping, you name it. It is a hard reality to face, but as a parent you have to really think about these things.
Thanks – I hadn’t really thought about this. The calculator is eye opening.
We don’t have much life insurance – just some through work – so this is a good thing to look into more.
I’m so sorry Pam. It’s hard when a loved one passes on and even harder needing to discuss sensitive yet important issues like life insurance.
Ovarian Cancer took my gram, one of the most favorite people I’ve ever had in my life. It is important to get check-ups regularly, and it is important to have your ducks in a row for the just in case.
I’m so sorry about your mom. My dad passed away 3 months ago. Cancer runs in our family. Life insurance is important so as not to leave our family with a financial burden on top of their grief.
I was taught about life insurance at a very young age. My father used to be an agent.
It is nice to know that others are taken care of on the event of a death and life insurance does give that comfort.
I’m so sorry to hear about your Mum 🙁 things can happen so quickly and its just so scary what does happen to some. x
Hugs Pam. I can totally relate with you. My mom passed too early in my life. Wish my daughter would have spent more time with her, but that is destiny. The time together was great though.
I am so sorry about your Mom. I lost mine too and it is so devastating. It makes you really want to prepare for the future.
Pam, so sorry to hear about your mom. I can imagine you’d be extra careful to make sure your family is covered and protected. Thanks for sharing this, we need to check this out too!