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All of us prepare for Life events. We buy auto insurance, hoping we never have an accident. We keep fire extinguishers in the kitchen, hoping we never have to use them. We plan for health care, college expenses, weddings. We have investments, IRA’s and life insurance.
Yet, the single event that ties all of humanity together is the one thing we tend to avoid planning for. The one event that will impact your family more than any other is their loss of you, whether you’re the husband, the wife, or your child’s parent.
The question to ask is, HOW CAN I CUSHION THIS EVENT FOR MY LOVED ONES? HOW CAN I MAKE IT EASIER FOR THEM?
The single answer is to pre-plan as many of the details as possible so they don’t have to do it under intense emotional and financial pressure.
Every one of us should take the time to plan for our eventual need. It is a responsibility for every person to plan and facilitate what you want to happen in the event of need. No one knows when. . .only that ‘some day’ it will be imperative that these decisions be made. Planning NOW relieves financial and emotional stress LATER.
Take the time — make the commitment to:
Eventually, we all face the loss of those we love. Advance planning relieves at least half the stress on our closest family members during the most stressful time in their lives. Pre-planning provides:
Pre-planning involves three distinct areas:
Source: Insurance IndustryTHE AVERAGE AGE OF WIDOWHOOD IS 56
Life insurance is a great asset for any family, and it should be reserved as an asset for your survivors.
The surviving spouse or other beneficiaries often have little money left to meet their own on-going needs because of the costs associated with the end-of-life needs of their loved one. Pre-planning and pre-funding your choices is one way to insure that your loved ones receive the benefit of your insurance as a source of on-going income.
Depending upon insurance to pay for end-of-life expenses also does not take into account the effects of inflation on your insurance dollars. Pre-funding your cemetery and funeral needs can greatly lessen the impact of inflation and provide extra security for your family.