This post about life insurance is brought to you by our friends at Genworth. Opinions are my own. I What do True Blood, sad things and life insurance have to do with one another? Well, they all sparked this particular post, for one. Plus, on the latest episode of True Blood…Terry Bellefleur took out a life insurance policy just days before his untimely death. Yes, I’ve managed to weave a television show about vampires into a really serious and heavy topic that none of us wants to think about. But hear me out. Terry wanted to be sure that his wife and children were taken care of financially. Sure, he’s fictitious and he hangs around with fairies and vampires, but he wanted to do what we all want- to make sure that we’re not adding any extra burdens and stress onto those we’re leaving behind.
My wonderful husband has had life insurance for many years. I’ve had some myself for a while. But we took a long hard look at things and realized that we were paying an awful lot for not very much coverage. I mean, I’m home full time with the kids. If the unthinkable happened, and we know that it could, there’s enough in place that the kids and I would be ok for a while. That said, if that unthinkable were to happen to me, my husband would still have to go to work. But we’d have no childcare. I AM the childcare. That, and my income would be gone. Poof. That’s not a great scenario, right? We don’t have enough life insurance to cover ourselves if the worst thing were to happen. Not a great feeling. (Please note, this is already in motion to be corrected).
And…I hate to even type these words, but you probably know by now that I will say the hard to say and bring up the awkward on here…if the unimaginably unthinkable were to happen (yes, that’s a phrase, and maybe I did make it up) and something were to happen to one of our little ones, we’re going to now have coverage so that expenses relating to that omg-its-hard-to-breathe-even-thinking-about-it-situation were to happen wouldn’t put us under huge financial stress. I mean, if something happened to one of our children, I’m confident that would be ENOUGH stress and adding financial stressors would only make it worse.
See, that’s the thing. We’ve never thought things all the way through before. But the fact is, and maybe it’s sad if you don’t believe in God or maybe it’s happy if you DO believe in God, but we all die. Hopefully not until we’ve had a long, fulfilling life with some happiness in it. But recent events in our very own country prove that bad things happen. I have friends who have lost a spouse. I have friends who have lost their child. I’ve watched people close to my heart and family live through those horrors and it kind of opened our eyes, like it has so many others.
Do you want something to happen that you’d need life insurance? NO. Never. No one does. But it can happen to us. To you. To me. We need to educate ourselves and protect ourselves. Even we stay home parents need to take a long hard look at why (men and) women are not buying enough life insurance. (That’s a pretty informative article, by the way).
I’m going to close with this: If the Martin family is taking a look at True Blood, sad things AND life insurance, maybe it’s worth you taking a second look too. At least at the life insurance part. Take a second look, get the sad stuff overwith, and enjoy something fun with your loved ones.
Do you have life insurance? AND do you watch True Blood?