I remember one day, years ago, my husband telling me that he was getting life insurance. My response was an eye-roll and a simple “nothing is going to happen to you.”
Why would anyone think that their perfectly healthy 48-year-old spouse will die? That only happens to other people, right?
That was my feeling. Nothing was going to destroy our happy life. We were young, raising our two little girls together. We had great family and friends. Life would go on that way and we would grow old together.
I was very wrong.
On October 11, 2011, my husband went out for a run. When he arrived home, he had a heart attack and died almost instantly.
I was devastated. I lost my husband and the father of my two daughters.
Then another thought hit me. What was going to happen to us? I had become a stay-at-home mom 12 years earlier when our oldest daughter was born. My husband worked as an attorney.
Now what? Did I have to go back to work full-time? Who would hire me after being out of the job market for 12 years? How was I now going to support the three of us? Was I going to lose our house?
I vaguely remembered that conversation about life insurance years earlier. I also remembered dismissing him. I hoped he had not listened to me and did not assume that nothing was going to happen to him. I also wondered how I could have been so stupid and prayed that he was smarter than I was.
He was.
A close friend of his called me to let me know that my husband had taken out life insurance on himself. No matter what I had said, he wanted the girls and I to be taken care of “just in case”. Unfortunately, “just in case” happened to us.
The life insurance did not give us the lifestyle of the rich and famous. It did give me the ability to keep my daughters and I in our home. I was able to get a part-time job instead of full-time so that I could still be around for the girls at a time when they needed me most.
The most important thing it has given me is security. I can sleep soundly without huge financial worries. There are many worries when you are widowed at 45. It comforted me to know that this was one I did not have.
Coincidentally, this part-time job I have is working for Michael Rosenberg at Diversified Investment Strategies. One of the things that Michael specializes in is life insurance. I have learned a lot about this industry working for Michael, but I also happen to have first-hand experience which gives me a huge understanding of the importance of life insurance.
I was extremely lucky that my husband took this seriously and took steps to provide for his family “just in case”. It was the greatest gift he ever gave me.
I am happy to speak to anyone who is interested in buying life insurance at Diversified Investment Strategies. Please call (973) 533-1919 or email us at stacy@diversifiedinv.com or m
*This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. This article is intended to assist in educating you about insurance generally and not to provide personal service. Guarantees are based on the claims paying ability of the issuing company.