A rather uncomfortable conversation

I have no doubt in my mind that this is a topic that most people dread to even think about but what some people don’t realize is the importance behind having some kind of a life insurance policy. It doesn’t matter how young or old you are, anything could happen to you between right now and tomorrow that is 100% life changing. A few years back I looked into Affordable Life Insurance Quotes and did manage to get myself onto a plan where I pay a small amount of money each month to buy into my current $30,000 plan, naturally over the years this number will go up but I also know for sure that if something where to, god forbid, happen to me I know that my family is taken care of. Even if it’s only enough to cover funeral expenses, pay off an outstanding balance and cover any hospital fees – I know that nothing is going to be taken out of their own pockets for this.

My father has a life insurance policy, somewhere in the $80,000 range. He has one out on both my sister and myself. He’s also fully paid for his entire funeral, a conversation that I did not wish to have with the man considering we were at the breakfast table. This is a conversation that could at least have waited a few more hours so I didn’t dwell on it for the entire day, most parents don’t seem to understand that concept. His theory, however, “It doesn’t matter how or when I die, I don’t care what kind of a box I’m in or where I’m buried. Don’t say ‘he would have liked that’, I’m dead – I don’t care what things look like!” I was taken back by this, but I can understand where he’s coming from. Some people treat funerals as though they were weddings where they go crazy with flowers, music, dressing things up that don’t really need any dressing up. My father, being so set in his ways, would be happy in a pine box in the back yard with a few chairs setup. Naturally this isn’t how it’s going to happen but again – he’s dead, he doesn’t care anyway. God I hated that conversation with him.

But anyway, back to my original point. Having a life insurance policy could be good for all of those involved. It shows that you’re fully accepting the fact that you’re moving on and not leaving excess weight on the shoulders of your loved-ones after you pass on. My father claims he did it to prove that he can and will do anything for his girls, and considering I’ve taken a policy out on myself, as well, I know that I’m also going to be doing it for my loved ones.