Hope for your financial life and beyond

Do You Really Need Life Insurance for Your Family?

Our own mortality is a topic we don’t like to discuss. I was reminded again of this recently when a friend of mine had open heart surgery. He is doing great and expected to make a full recovery. But as I sat in the waiting room with his wife and family during the surgery, I kept thinking how her life would change if things took a turn for the worse.

do you need life insuranceThere are so many questions after the death of a spouse. Some of those questions relate to money. It may seem insensitive to link death and finances together but it’s a reality we can’t ignore.

What would happen if your spouse died today? Would your financial life come crashing down also? Would your family suffer because you weren’t prepared for this event?

Fortunately, those questions can be answered. The best part is you can settle it and have peace of mind before anything happens by purchasing a quality life insurance policy.

What is Life Insurance?

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Living Through Tragedy When There Are No Answers

I find myself again writing the most difficult of posts. Three years ago it was about one of my high school students who chose to take her own life. This time tragedy struck in our church youth group as on Tuesday we lost a 16-year old girl to the most unlikely of things for someone so young – cardiac arrest.

Her name was Elizabeth and she was a sweet, sweet girl. She was so pleasant to be around. Smiles adorned her face at every turn. And such a committed follower of Jesus.

So young…so healthy…so just getting started on life.

And then she was gone in a heartbeat.

You can read the account as shared by her mother on her Facebook page. As a parent it will make you want to hold your kids tight and cherish the moment. I sure did when my wife and I returned from the hospital.

The toughest part about being with the family at the hospital and helping them work through the funeral arrangements this week was that there are no answers. There are no answers to the “Why did this happen?” question. There are no answers to the “What happened (physically)?” question. There are no answers really at all to how this happened to a perfectly healthy young girl.

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The Most Important Things You Need to Know About Life Insurance

The topic of life insurance is one that many do not like to discuss. The reason is simple – it involves death, most notably our own. And since death routinely shows up on lists of common fears, its obviously something we choose not to think about.

life insurance

Next to purchasing quality health insurance, I believe this is the second most important insurance a person should buy. I feel this way because there is nothing you can do about it once you are gone. You can’t buy a life insurance policy after you are dead. You can’t provide any financial comfort to those left behind once you are in the ground.

See what I mean about life insurance? Even writing those sentences brought a tinge of emotion I’d rather not feel. That’s what makes it so easy to avoid dealing with this.

But we have to. Life insurance is a big piece of the puzzle to our financial lives – even if we, as the deceased, will never see any of the money.

What is Life Insurance?

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Should I Leave An Inheritance To My Children?

inheritanceIt’s time to start thinking to whom I will leave my inheritance. If statistics are any indication, I’ve reached the halfway point of my life. Unless the genes of my grandfather on my mother’s side get passed to me, I’ve only got about another 40 years to go. It’s a sobering thought but not one that keeps me awake at night.

These two realities of life I know to be true:

1. Our death will occur at a fixed moment in time.

2. Nobody knows exactly when that moment will be.

So death displays aspects of certainty (we will die) and uncertainty (when?). I find that dualistic nature fascinating. Perhaps that’s why issues surrounding death and what will happen after we are gone remain difficult to discuss. We simply don’t like thinking about anything that relates to the end of us.

But we have to think about it for there is so much at stake. Mess up our death and it could impact those left behind for generations to come.

Where Does My Inheritance Go When I Die?

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A 15-Yr. Old Life Should Never End This Tragically

Question MarkIn my tenure as educator in a private Christian school, I’ve had some tough weeks before where nothing went right. In those times, I still tried to find the positive amongst the negative and tell myself the pain was only temporary. Invariably, my assumptions were confirmed, as the “bad weeks” never seemed to be prolonged into weeks, months or years. Positive energy was always the next day away, ready to brighten my perspective and turn my attention back to the joys that come from seeing students flourish.

The positive energy of this new school year was unexpectedly and violently ripped out of the atmosphere last weekend when we were informed on Sunday of the tragic news that one of our beloved 10th grade girls chose to take her life on the Friday night of the first week of school. Needless to say, last week was the toughest I’ve ever experienced with students. And I suspect these tough days are going to turn into tough weeks and months ahead for our school family and tough years for her closest friends and family who loved her most.

Where does one start to piece together something this devastating? Your world literally stops. You don’t know what to think, what to believe or what’s appropriate to feel. And it’s not just a few that are affected. When you have a middle and high school only totaling 90 students, it touches everyone.

So much pain.

So much emotion.

So many questions.

No good answers.

This post is my meager attempt to honor the life of this child and help our students cope with their pain. Her grandparents, who acted as her legal guardians for the last several years, have graciously consented to this writing in the hopes that others may understand the effects of suicide. It is their wish that our students would always cherish their fond memories and live a better life themselves for having known their granddaughter – who, at the request of the family, I will give the pseudonym Jane Doe for the remainder of this post.

Knowing Jane

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