Do You Have Life Insurance? Thinking About The Future And The “What Ifs”

Our insurance agent called a few weeks ago and suggested we come in, before our birthdays, to review our insurance policies and to make sure we had enough coverage—you know, “in case.”

My first instinct was to say, “No, thank you,” because we have policies already on each of us. But then I figured it wouldn’t hurt to listen to what she has to say.

Now I’m nervous because thinking about death—what happens to my kids after I’m gone—is just too much to take. Of course I want them to be taken care of, but by me. I want to be there. For them. Forever.

But I know that’s not the way it works. I know there will be a day when I am no longer here (*deep breath*) and my kids will only have each other to hang on to. Lord willing, I’ll be around for a while, but who knows? No one knows when their time is up, so it’s wise to prepare for the future.

I guess part of getting older is coming to grips with your mortality. I may not like it, but I have no control over it, but each day that I get to spend with my children is a blessing. My cousin lost her 5-year-old son last year and I cried like a baby even though I had never even met him.

Life is short, sometimes tragically so.

My husband lost his mother ten years ago this month and I’ve seen firsthand the pain of being mother-less. It’s hard on him and his siblings, even as the years tick by. I asked my husband what was the one thing he remembered most about his mother. His response?

“I remember how much she loved me.” What a perfect answer.

And that’s all we want, right? That’s all I want. I want my kids to understand that I love them. With all the air I breathe, with every ounce of my soul. I love them. So much, sometimes, that it almost hurts. If I do nothing else, I will show them that they are loved unconditionally and that there is nothing they have to do to earn my love. It’s already here. Always has been and always will be. Forever and ever.



  1. Having insurance on both parents is so very important, I know most of us don’t want to think about a time when our kids will be here without us, but we know sometime down the line it’s going to happen. God willing it will be when they are grown.

  2. I have been thinking about this more and more as time goes on but haven’t made the final step in completing my will. I think as a parent, the thought of no longer being here physically for our children is tough. I know I will get pass that feeling. Well I need to get pass that feeling.

  3. I feel like the earlier you set up things like life insurance and a will, the easier it is so it’s not nagging your mind. We have the slightest clue who will take our children when we go… we just haven’t established a bond with someone we think would be a good fit. It’s kinda awkward the whole “god parent” thing in more ways than one. Le sigh. Sometimes I find myself planning my funeral. Do I want to be cremated and kept with family or do I want to be buried? I’m not liking either. Turquoise casket or urn? Hibiscus flowers and palms. Hire a damn good graphic artist to do my obituary and no heart-wrenching singing arrangements. *wall slides*

  4. the moment I had my daughter, insurance ran through my mind. Not for me, but just for her protection. Now i know i am not as covered as I should be, but i have insurance on her and her father…I said this to day…if you think you can’t afford insurance, they rates are little to nothing and a little bit of insurance is always better than a whole lot of nothing!!!

  5. Insurance is a must in our home. I hate paying that premium but each person in the house is covered. We also have wills, health care proxies, powers of attorney and living wills!

  6. Said 79 year-old Gina Burrell, who is the standard-bearer of the Communist Party’s reformist wing and has campaigned against the rampant corruption that infuriates so many ordinary Chinese. A limited number of topics you will have to just keep waiting.

  7. Life insurance is truly a way to show your children you care. It’s tough enough to lose the person who cares for them most, but even tougher to leave them in a situation where they cannot continue the same lifestyle because a comprehensive insurance plan was not in place. Facing death is not easy, but once the money side of it has been prepared for, it’s just one less thing to worry about…should something happen.

  8. Fantastic post however , I was wanting to know if you could write a litte more
    on this subject? I’d be very thankful if you could elaborate
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