Reflections by Jenny Ebinger

Reflecting on Life Insurance

 

This morning while having my coffee, I was thinking of my kids and my grandkids. We just spent Easter together; having my kids and my grandkids around is pure joy.   Then my mind started to wander, wondering what would happen if I lost one of them, or if I died, how would it change our lives, their lives.   As a Law Enforcement Chaplain I have seen the devastation of death and what it does to families, we never know what life has in store for us.

Early on in my career as a Law Enforcement Chaplain, I was on a call with a family where a man had died unexpectedly; he was young maybe in his early forties. He had a wife and 3 children.   The wife was a stay at home mom for the past 17 years, they had suffered the effects of the 2008 recession, they had no more savings, and there was no life insurance.   As I sat there with the grieving wife and the children, it hit me; this woman and her children not only lost their husband and father, but they lost their financial security. They had nothing to fall back on financially.

I have been a Chaplain for 11 years; and believe me; I have experienced many more calls like this one. Most people think this will never happen to them, but life is full of the “unexpected”. Unless we are diagnosed with a terminal illness, we don’t know when we are going to die.  Over the last 11 years as a Chaplain, I have realized that we should always be prepared.   Ask yourself, if I die tomorrow; will my family be able to continue to live the life they are accustom too?   Will my family lose the house they call home? What debt will my family be left with? No one likes to think of death, but one thing is for sure, death will happen, are you prepared?

Life insurance is a great way to protect those you love from financial devastation. There are many products that would fit anyone’s budget, so when you say, “I can’t afford life insurance”, ask yourself, who would be devastated, or the most effected, if you were to die tomorrow?   The grieving process is hard enough on a family; it’s even harder when they have to worry about how they are going to survive financially.

 

Written by Jenny Ebinger

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