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Tragedy Strikes Close to Home: Why You Need to Have Life Insurance

life insurance why have it

For those of you that don’t know, there was a Life Insurance Movement held by Jeff Rose (a.k.a. Good Financial Cents) a few weeks ago where over 140 bloggers grouped together to bring awareness to the need for it. Due to a busy blogging and work schedule, I initially chose not to partake in the movement, but as tragedy struck a little over a week ago, the need for it has never been more apparent.

There’s Never a Question

It’s so easy to dream of the future and assume we’ll live long lives. I have goals, a bucket list, places I want to visit and things I want to accomplish. Despite doing my best to live out each day, my mind seems to drift to what the future has in store.

My wife and I are planning to spend our 3rd anniversary this coming October up in Minneapolis; we haven’t been on a vacation by ourselves in over two years and we’re desperately looking forward to the time away…it’s only two months from now! We’re hoping to take a language class this coming spring, go sky diving next summer, and we even have an audacious goal of taking a European vacation before we’re 30 (T-minus 2 years).

Is it just us or does the future seem so certain? I never question that I’ll make it to see my 30th birthday or that I’ll eventually see the day where I can retire, hang up the boots, and enjoy golfing on a weekly basis.

Why do we feel we’re invincible? Why is it so natural to look forward and assume tomorrow will come?

Tragedy Strikes Close to Home

Two Saturdays ago I had plans to go golfing with two of my best friends. After sleeping in on Saturday morning, I rolled over after slowly waking up, grabbed my phone off my nightstand and checked to see if I had any messages.

Just one text from my good friend: “My brother’s wife and baby passed away to be with the Lord last night. So no golf today. I will call you later.”

As requested by the husband, names were not used to protect the privacy of the family.

Thursday, August 23rd, 2012

Random pains aren’t uncommon to expecting mothers, but when the soon-to-be mother started experiencing intense stomach pains, the family thought it would be best if they took a trip to the hospital just to see if anything was wrong.

Considering the wife (soon-to-be mom) had been in the hospital the week prior because some organs had begun to get cramped due to the growth of their baby, they thought, it’s better to be safe than sorry.

Thursday night, August 23rd, 2012

After a series of tests by the doctors they assured the family that the baby and mother were fine, released them and sent them home to get some rest.

Friday afternoon, August 24th, 2012

As the stomach pain continued to increase throughout the day, the husband and wife decided another trip to the ER was necessary. In a panic, the husband rushed to the nearest hospital and on the way his wife passed out and became unconscious.

Upon arriving at the hospital, the emergency crew quickly removed her from the car, placed her on a stretcher and rushed into the


Friday night, August 24th, 2012

With thoughts racing through the family’s mind, their only hopes were to hear that the soon-to-be mother and baby were fine. After conversations with the doctors, it was determined that they’d try to deliver the 8-month old baby via c-section.

As minutes slowly passed, the doctors came out to deliver the news that they were unable to save the baby but there was still hope they’d be able to revive the mom and keep her from passing.

After what seemed like eternity, the exhausted doctors finally emerged through the double doors and approached the eagerly-awaiting family to give them the much-anticipated news.

With solemn faces and steady words, the doctors calmly told the family that they were unable to save her.

Irreconcilable Emotion

As the husband heard those words his face went blank as the life was sucked out of him. As he started to cry, shrieks of agony filled the room. Doctors and nurses, unable to gather their emotions, began crying as everybody shared the pain and the unfathomable reality of life’s unexpected tragedies.

While tomorrow seems so close, the reality is that it’s not promised. Be thankful for all that you have, hug your kids, and always tell your wife how much you love her.

If I knew it would be the last time

That I’d see you fall asleep

I would tuck you in more tightly

If I knew it would be the last time

That I see you walk out the door,

For surely there’s always tomorrow

To make up for an oversight,

But just in case I might be wrong,

I’d like to say how much I love you

And I hope we never forget,

Tomorrow is not promised to anyone,

Young or old alike,

And today may be the last chance

You get to hold your loved one tight. – Author Unknown

Mom, 29, and 8-month old baby leave behind her husband and their 19-month old son. Amidst the suffering, the husband has peace knowing that his wife and daughter are in a better place and God remains good and His love, steadfast.

If you are married or have dependents, it’s extremely important that you carry life insurance.

As my close friend was helping his brother prepare for the funeral arrangements and the costs associated, the husband turned to him and said: “Brother, please make sure you have life insurance.”

Donations for the Husband and His Son

As a blogger I have the unique opportunity to help people in ways that some may not be able to, and I can’t overlook a chance to bless a family amidst an unthinkable tragedy.

So, we’ve opened a Paypal account that will help cover the funeral expenses, hospital bills, and any additional money raised will help support the husband in his new life as a single dad.

Holly and I will personally be donating and I ask that anybody who is willing donate as well. $5, $10, or $500 will help go a long way. While a monetary donation will never erase the events that took place over the past few days, my hope is that we can at least lessen the burden they face tomorrow.

Category: Insurance

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