Thursday, July 19, 2012

One Hundred Grand!

$100,000....One hundred grand....wouldn't it be nice to go out to your mail box and open an envelope with a check for $100,000 (with no disclaimers of having to sit through a presentation on a time share or bring in a key to see if you're the lucky winner!)

Yesterday, I posted the question on my Eisenberger Insurance Agency Facebook page, "What would you do if I gave you $100,000?" LOVED the off the mortgage, take a vacation, donate to a worthy cause, support your child's education, take another can do so much with $100,000.

Danielle Cole - You're the winner of the $25 Meijer Gift Card!!!

Yet, what if I gave that money to your family after you passed away? Stick with me here.....death isn't fun, but it's real and always better to be prepared than would you change your answers?  Some of you may not change anything - the hundred grand could pay off debt so the family doesn't have to worry about it, or be put towards college educations for children. Others may say, well that's not enough if they don't have my income as well.

Whatever your answer, the point is.....if you were told today you have a terminal illness would your family be prepared? If you stopped at the same stop sign you've stopped at everyday since you started driving, but didn't see the car coming when you pulled out, would your family be prepared?

As I sorted through photos of my Aunt Casee to help make her slide show, I smiled when I saw photos of her at age 10 with big orange curly hair, "stylish" sunglasses and her huge smile as she posed for the camera. She didn't know then at a week shy of her 41st birthday, she'd leave behind two boys and a husband. I remember one photo she looked miserable...she was pregnant at Wyatt's birthday and just ready to have what I thought was a watermelon, later it would become Rayce....but she was at the point where she didn't care how it happened, she just wanted him out. (Mommas will understand what I mean here :)!) I still smile though, because what an awesome time in her life....the new little person that would be brought into this world for her to love. She didn't know she'd never see him graduate or marry. 

Now, I don't know if Casee had life insurance or how much, though I'm sure she was prepared with all the means possible to give her two boys the most amazing life, even if she couldn't be there to watch them herself. And wouldn't you? If you couldn't walk your daughter down the aisle to marry the man of her dreams, wouldn't you want her to buy the most beautiful dress possible. If you couldn't be there to watch your son graduate, wouldn't you want to have left behind enough so he could go to college without stressing about how he was going to pay?

Maybe you're not married or don't have kids....but are you healthy? Isn't that something worth insuring too?
I read somewhere how good health provides you with freedoms you take for granted until your good health has turned poor. When you're healthy and young, getting sick and preparing for death is the absolute last thing on your mind. You'd rather spend time and money on fun things to do with the people you love. You're also busy just keeping up with day to day decisions and tasks....but once you're told you have a terminal illness, it's too late. Which is ironic, because we all know we're going to die - it's a fact of the question isn't are you going to die? It's...when and will you be prepared?

I'm working on a series of blog posts to help us all work through life insurance and be prepared no matter what happens tomorrow. My husband and I have various life insurance policies (you can read about how we decided on what coverage to have here). We are also in the process of finishing up our wills, my friend has shared with me her "If I Die" document - all that important information someone needs to know,  and I've started thinking about what I want my funeral to look like.

Death is too real to me at the moment. When your world is rocked and you realize you're not immortal (pretty close to perfect, but not immortal LOL!), you start looking at what's important - showing and sharing love to your family, providing them safety and necessities, setting them up for the best possible future no matter what happens along their journey.....

I hope you follow the posts, comment, start discussion, add your thoughts and insights - it's how we learn, how we grow and how we heal....thank you for letting me use this blog to heal....

Post production note :) --- I was having a hard time Monday night, everything kinda just came down on my was the first time I could actually just let go and grieve.... I sent my cousins a text, "Anyone else wish you could text up to heaven?" My cousin Matthew responded saying she motivates him to keep studying for his HUGE dentist exam. He then sent me a text later saying, "You know as soon as I sent you the text "My Wish" came on the radio (the song played with her slide show at the funeral) and then as soon as I got out of the car I saw Dylan at the library (one of our other cousins). She's for sure looking out for us." I responded "If a margarita machine shows up at my front door I'm gonna freak :)!)"  Margarita machines welcome :)

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