As one gets older one starts to think about things we all don't want to think about. Having had a life threating health crisis at an early age I went through the whole life insurance/will/advanced directive planning in my late 30ies. But quite often this type of planning is left until it's almost too late. That leaves the family without answers and without direction. I'm glad my "stuff" is settled and I hope to be here for a while longer...
But what about family members? It's a tough conversation to have for sure! There are places that you can search for seniors burial insurance so at least you know that the funeral is covered. Heaven knows funerals are not cheap and to have the burden of trying to find the money to pay for for burial on top of grieving is at least one worry that can be alleviated. It's a simple and most likely inexpensive way to help with one cost of final planning.
Life insurance is also help to those you leave behind. I know nothing can ever make up for the loss of a loved one but if there is at least a cushion left for the survivor it can lessen stress at an already overly stressful time. A little cushion that can help with payments that still come due no matter what. There are still places you can get life insurance with no medical exam so it pays to check them out.
I'm glad the hubby knows what I want if I should get sick again or find myself in a health crisis. I also know what he wants. It makes things easier when EVERYONE knows - then when decisions have to made they can be made easily and without fights.
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2 comments:
People wait because they don't want to face the reality of loss. THey don't understand what chaos is caused if they're unprepared. When my husband died, everything I needed was at hand and the process was so easy for all of us still in shock. I had two other friends who lost their husbands around the same time and unraveling the mess took them almost a year and a half (and, one is still going through litigation). Bank accounts get frozen, mortgages get called -- it's hairy. When my daughter died, I didn't have insurance and she didn't have a will -- but, she had no property, either, and the estate closed very quickly.
For my other daughter's 21st birthday, I bought her an annuity/life insurance policy (with her permission) that would help in both burial and retirement. And I know that she has taken care of a Will. Hard as it may be, death is a part of life and something that has to be dealt with no matter unpleasant it may be. But, once it's done -- it's done!
Thanks for your post. I hope others will take action.
We may not want to deal with it but having lost 2 brothers unexpectedly within tree years of each other and neither having had a will or insurance was a little bit of hell on top of the shock in losing brothers in their 40's. I constantly tell my adult children it's a must and it's better to deal with it now the when we're i shock and dealing then.
Carol L
Lucky4750@aol.com
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