My Embarrassing Admission

My Embarrassing Admission -

I have an admission really, really embarrassing to do: Jon and I have no real life or disability insurance. I mean, we have a bit-basically what I'm able to access through my employer, which I think is equal to one or two my salary, but nothing more than that.
Nothing to pay our mortgage.
Nothing to heal or educate our children if one or both of us are not able or around to.
Nothing to pay for long term care if one of us takes full hospitalization time or nursing home after an illness or accident.
Nothing.
and I know how awful that is. I really, really do. I do not make excuses. I am fully aware of the serious consequences that would follow if I were to die or become disabled before fixing this problem. That's why this blog is the first time I admitted this incredibly irresponsible thing about myself to anyone-because I know how it is, and I was really mortified by my inability to take care of business . But one thing I've discovered in recent years is that if I'm too embarrassed to say anything out loud, it is quite likely that many other people are in the same boat. Maybe you are one of them. That's why I decided to come clean and share my plan to finally address this serious situation risky in which I left you to finish our family.
So how have I-40 something married mother of five, the main professional support to our family, myself without owner-find enough life or disability insurance? Well, I'll tell you how. Back in my 20s when my older children were babies and small children, I kept putting it off. For starters, the money was really tight at the time, and a healthy 27, the idea of ​​dying or becoming severely disabled seemed so unlikely that even if I continued to talk about how I had to know how buy the right insurance, I just never did. Even then, I knew in the back of my mind that I was taking a big risk, but some other charges seemed always come first. "I'll take care of that later," I thought.
But "later" just never seemed to happen. Even when I hit my 30s and really learned that I really need to take care of this important responsibility, it seemed so confused. I found myself overwhelmed and intimidated by trying to understand the whole of life insurance "thing." Everyone I asked about the subject of insurance seemed to have a different recommendation. The options were confused, and left me paralyzed with indecision. So I kept putting it off.
At one point, a friend did not recommend his insurance agent. She assured me that he would explain the life insurance options in a way that I can understand and help me walk through the types and brands of countless political and confused, and find me the best price. Instead, however, that particular agent was uncomfortable persistent, and since I already felt very intimidated by this task now much delayed buying the life insurance and disability law, his style, which have aggressively could be good for some customers, but ended up being the bad match for me, given me yet another excuse to turn and run the other way. I stopped answering the phone and deleted voice messages.
And another year passed without me locate and purchase insurance, I was now painfully aware that I had. And another ... and another ... and then, at some point, the fact that I did not have enough insurance has become its own stumbling block; I was embarrassed to take the phone and call an agent, knowing that I have to 'fess up to what I had put this off for so long. I worried that I would be judged, so it gave me yet another (bad) justification to continue to avoid my responsibility in the matter.
But now I know that the time has come. I can not hide it for another year, and I know that. This knowledge that I have to stop avoiding the issue has weighed very, very heavily on my mind lately, so it was rather fortuitous when the LIFE Foundation asked me if I wanted to blog about my personal experience as a parent with the most important type of insurance thing I have to take care of on behalf of the family, I love the family that depends on me. I'm not sure that the LIFE Foundation realized when they reached me they would get as a naked soul of admission, but I decided that I go ahead and tell the truth on my own inability to care. this critical financial planning necessary in the hope that others might be able to link
So let me introduce myself: Hello. My name is Katie and I am an adult and a parent who does not have enough life or disability insurance. I guess some of you and probably some of you may be in the same boat. But starting today, Jon and I will be using online planning tools decidedly non-intimidating (and free) to LifeHappens.org to understand what the heck we need, and how much, and that it will cost. And armed with that knowledge for the first time (!!!), we will actually talk to an agent-whose style is a good match for us to know how to proceed to the second step in the process of protection people we love the most.
course, I have done much earlier, but with something this important, what I do is important now more than I do not have it then. I know, and for any of you who may be in the same place, I wish to "come clean" myself, you may be inspired to take that first step for yourselves and your families as well.