This post is brought to you by MetLife.
I’m proud to partner with MetLife in their quest to reach more people about the importance of selecting life insurance. As I get older, I am more and more grateful that life insurance exists. The benefits of policies have positively affected my life during one of the toughest seasons I’ve ever experienced.
Most teenage girls at 14 are worried about getting a good grade on their biology test, if they are going to be able to go to the movies over the weekend, and maybe, just maybe, getting to wear the dress they really want to wear the school dance —or was that just me? 🙂 In reality, at 14, I was trying to get an extension until the summer to take my final and I was watching movies from the couch after I picked out a dress for my mother to wear at her funeral. It sucked. But it happened, and once my loved ones and I wrapped our heads around the days that lied ahead, discovering that my mom had two life insurance policies was consolation during a difficult time.
How Life Insurance Benefits Helped Me and My Family
My mom passed away after a short battle with acute myeloid leukemia. The diagnosis caught everyone off guard, including her. She wasn’t planning to be diagnosed and we sure weren’t expecting to lose her. After the loss came the bills and uncertainty about how to take care of her final business affairs. I was also worried as I began to prep for college and wondered how it was going to happen. I began living with my retired grandmother on a fixed income.
Many think insurance is a waste of money, but when you need it, it can alleviate so much unneeded stress and worry for the loved ones left behind. I’m proud of the fact that my mom took the necessary, and for some, uncomfortable step of selecting the life insurance option when she enrolled at her job. I’m even more grateful that she had a policy on her own.
Why You Should Have “The Talk” With Your Family
Inevitably the unexpected will happen. Being prepared and planning for these challenging moments can make navigating them easier for you or your loved ones. If you’re struggling with how to have the conversation, I have some ways to help wrap your head around it.
Ways to Get The Conversation Going
- Call a family meeting – This isn’t something you want to bring up when someone is distracted. It should be a bit formal but lighten the mood. Maybe have some snacks on hand or plan to go out for an activity afterward. Be open and begin by asking questions. It’s possible that your loved one has it all figured out and you just need to be briefed on the situation. It’s also possible that they may have nothing in place and no clue where to start.
- Be prepared with options – Consider different types of insurance and pull preliminary quotes so you all can cultivate some actionable steps right then and there. Being able to narrow things down with your loved one can ensure that the discussion won’t get shelved and that a little peace of mind for everyone involved is just around the corner.
- Consider your own situation – While it’s important to check in with your loved ones, it’s also important to check in with yourself. Whether you have a partner or not. See if your employer offers a plan and make sure you opt into it. Consider selecting one on your own even if the company does. It’s always great to be prepared. You can adjust as your life situation changes.
There are many different types of supplemental insurance: accident, critical illness, and life are just a few. MetLife has resources to give context to the many types. Having the conversation early with your family can help you select which is best for and at what amount. I’m here to say that it’s worth it!
Without life insurance, we wouldn’t have been able to pay for my mom’s funeral and closeout other pieces of business. A few years later, the benefits would help me balance out the number of student loans that I took out in college. I am living proof that having the conversation is worth it. Good luck. 🙂
Photos by Christina Best Photography