So this is a tough one to write. I lost a friend/client a bit ago in a car wreck. She was just over 50, very healthy and had a long life still ahead of her when a freak accident took her. I’ve known her for nine years and I helped her with some financial issues for a little while and had spoken with her by phone about a month ago as she had moved a few hours away.

It’s one of those things when someone passes away, when you automatically do the thinking back of how you could have said something to them to stop them, or to warn them with 20/20 hindsight. It’s tough, and I hate to think about it; she will be missed by so many people, mostly her family, kids and grandkids.

I don’t want this post to come across as morbid, insensitive or opportunistic, but I deal with life insurance and I have to think about death with my clients, who are also my friends and family many times. It’s hard to do, but so necessary! I didn’t have a life insurance plan for my friend as she had it before I met her, and I can only hope she still had it in place. Tragic things like this happen and can devastate a family, and then the financial devastation can prolong that pain, but the financial part is so avoidable. 

If you are married, and especially if you have children, please assess your finances and make sure this simplest of insurance is in place. Even if I’m not the one to help you, get life insurance without hesitating. Quotes only take about three minutes to finish, and term insurance is cheaper than it’s ever been. Just think, to get coverage of $1,000,000 on a 32 year old, fairly healthy male costs $21.81 a month. So cheap, and so easy to protect you and your legacy for your family. Please get it done!