My husband and I frequently joke that together the two of us make a perfect realist. I am the uber-optimist, always believing that things work out in the end. Trusting that good will come, and we will live a happy and fulfilled life.
He, of course, sits on the other end of the scale hanging out in “pessimism”. He worries, he prepares, he over thinks. No detail is left unchecked.
But his ability to err on the side of caution, coupled with my living in a “happiness bubble” means that we get to sit somewhere in the middle when it comes to the big, important things.
We have a fully stocked emergency supply. He packed it full of water, high energy food and first aid supplies. I added popcorn, cozy blankets and a box of great books and family games (I mean, even if that earthquake happens we can still pop some corn over the fire, right?)
As I was smiling down holding our first child, a chubby cheeked newborn, glowing from the wonderment, he leaned over and whispered in my ear “We should make a will”.
Practical yes, but with terrible timing.
But for his mind, as we welcomed our children, there was now more reason to worry and to fear. There was more planning that needed to be done, more people to take care of and more of all the bad stuff that could happen.
And, even me, in my joyful haze, saw that and understood.
We got wills written up shortly after that baby came into our lives, and like a perfect match to a will, we married it with life insurance. We wanted to cover not only the practicalities in the event of an emergency, but also the financial.
While money doesn’t create happiness, it sure can alleviate stress, and if something were to happen to either or both of us, life insurance money could help our children move forward with their lives.
We have been insured now over a dozen years. We have long-term insurance, and we have also explored term life insurance and other varieties of coverage to help us feel prepared. When the kids were young, our insurance packages were larger so that our remaining spouse would have the means to stay home with the kids, and not have the need to return to work.
As they have grown up a bit and become more independent, we have scaled back. I have a feeling we will adjust again when they move out of the house, and start to go their own way.
Life insurance can be as affordable as one dollar a day, and the options for coverage are vast. Coverage can differ greatly from person to person and it’s important to ensure you have the right coverage for you. We have found that the best place to start exploring your options is for you is to get a quote or apply online or call TD Insurance at 1-888-756-5666
For me at first, it was an uncomfortable path to go down, exploring my mortality, and preparing for my possible death, but with my practical and logical man by my side we were able to not only go through the process, but leave there ready to leap in and enjoy life, knowing that if they worst were to happen, the people we loved would be supported financially in our absence.
The best time to start getting prepared is right now, and from now until November 13, you can be entered to win one of 300 Fitbit FlexTM activity trackers by calling TD Insurance at 1-888-756-5666 for a free life insurance needs analysis.
This post was brought to you by TD Insurance, but the images and opinions are my own. For more information please visitwww.tdinsurance.com/termlife .