Sunday, November 26, 2023

Are You a Planner, or a Fly By the Seat of Your Pants Kinda Parent?

One day you're a young stay at home parent, knee deep in diapers, chasing after toddlers and feeling like the days are never going to end and then suddenly you blink and your kids are taller than you, and you can't believe how quickly time is flying by. 

As you age, you begin to realize that you aren't invincible. You can't remember your age without whipping out your calculator to determine whether you're 45 or 46, and you keep a bottle of ibuprofen in your purse, desk, and in the car, just in case, and any new mole or lump or bump on your skin or strange symptom that pops up is enough to send you straight to Doctor Google for an online diagnosis. And of course, as you age, your parents are aging too, and if you're like me, you've already lost one parent and your surviving parent is entering the stage of needing long-term care. It's enough to make you pause and think that perhaps now is a good time to sit down and make a plan for your family's future because you aren't getting any younger. 

Maybe you're a planner and you've had it all figured out since your first child was born, and you have a will and life insurance policy in place, or you're like me and it's 9 pm and you're still trying to figure out what to make for dinner--no judgment either way. But, as my husband and teenage son prepare to drive out of state for a soccer tournament this week, it occurs to me that having a plan in place always a smart decision because if you are anything like us, you don't have a will or life insurance policy, but you do have a mortgage, plenty of bills, and student loan debt to deal with, right? If so, there is no better time than the present, to sign up for life insurance to ensure that your partner and/or kids are covered should something happen to you or them.

While no one likes to think about anything going wrong, sometimes it does. Not having a back up plan in place to protect your family is much more stressful in the long run, than taking a few minutes to sign up for life insurance without a medical exam and then clearing it from your mind because it's one less thing you have to worry about. And believe me, I worry about many things, so crossing this task off of my to-do list was a huge relief in more ways than one. 

And if you are anything like me, you may have put off signing up for life insurance because you heard the horror stories from your parents or grandparents' generation about how challenging it was to qualify for life insurance back in the day. Fortunately, things have evolved and not only do we have phones with internet access, but you can qualify for life insurance without a medical exam. As a mom with four kids, who works full-time outside of the house, and shuttles multiple kids to and from various activities on evenings and weekends, I certainly don't have the time to make a doctor's appointment for life insurance, but I do have the time to answer a few questions online and get the coverage that our family needs, so that's exactly what I did, and I hope you will too!  

Disclaimer: This is a sponsored post for Responsival, however, all opinions, reviews, and ideas expressed in this post are based on my own personal view or experiences. 

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