Life insurance is such a scary thought when you even remotely think about doing something like it. You don’t want to think that something will happen to you or your loved one. It seems impossible to even think about it! Unforunately I learned the hard way that life insurance is a vital, crucial thing. After my dad passed away, he had just enough life insurance to help my mom pay off their riding for YEARS debt, buy a car, a house, and for her to live somewhat comfortably. She still works, yes, but she is not filing bankruptcy for $200,000 in credit cards/mortgages. She is living where she wants to be right across the street from her grandchildren and working a job 3 days a week. It’s so much less stressful after you’ve just lost someone you’ve been with for the past 37 years.
I was 6 months pregnant when we bought a brand new SUV and decided to go with State Farm. We’re sitting in the branch following up with some paperwork. The woman looks down at my stomach and asks, “Were you considering life insurance?” My husband and I looked at each other wided eyed, gulped, and said, “Uhhh…we’ll think about it.”
Oh my gosh, they had a guy calling us literally weekly up until the point Claire was born. Each time I was so annoyed, “Why does this guy keep calling! I’m not interested right now!”
But when those little blue eyes first looked up at me, my heart sank for the possibility that if something were to happen to me, she would be irreparably helpless. Anyone could claim her, do what they want with her, they could even decide to let her live in an orphanage for the rest of her life. I after two weeks of recovery called immediately and set up an appointment.
To my surprise, both my husband and I sat in the office with tears in our eyes as we answered some questions. Not because we were afraid of making monthly payments (which, by the way, is ONLY $40/month for $500,000), but because it just hurt so bad to think that we might could possibly lose each other. Ironically my dad pulled out a life insurance policy just two months before he died. I was horrified by the thought.
Yet it doesn’t just happen that way. It’s not a curse if you walk through that door. It’s a major blessing. A blessing that you know your child, or YOU will be taken care of. It’s now almost exactly a year later that we filed for life insurance, and we’re both still here. :) But with less stress in our hearts about how things will be handled with our little one if God chose to take us home.