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Tine73
Member since 3/06 22093 total posts
Name:
*********
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My PSA for the day....If you don't have it - get Life Insurance. NOW!
I found out one of my old co-worker's husband died this weekend.  He was 43. Apparently the whole family was sick with the flu and he got really bad on Friday and went to the hospital. A virus took over his whole body and he passed away. They have 2 kids that are in middle school. My friend works part time and can't afford the house and all their expenses on her salary alone. I am so sad for them. I can't even imagine.
If you don't have it - please make plans to get life insurance ASAP. We got it when I pregnant with DD.
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Posted 11/16/09 12:13 PM  |
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KateDevine
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Member since 6/06 24950 total posts
Name:
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
How tragic for their family.
We have it, Chris' dad passed away at 47, with five kids (21, 19, 7, 4 and 2) and we got it as soon as Chris went on the job (right before I got pregnant with C3)
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| Posted 11/16/09 12:16 PM |
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Bops
My 3 wishes
Member since 12/07 13625 total posts
Name:
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
How horrible 
We have been meaning to do this for a long time now, and this just made me want to really get on it...
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| Posted 11/16/09 12:16 PM |
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CkGm
They get so big, so fast :(
Member since 5/05 13848 total posts
Name:
Christine
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
My condolences for your friend I have been bugging my DH about this for months. He is finally setting us up for his open enrollment in Jan. This flu is so random- I can't believe that it is killing healthy people 
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| Posted 11/16/09 12:17 PM |
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kat151
LIF Infant
Member since 2/07 215 total posts
Name:
Kathy
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
OMG my husband got the flu last weekend and he was so sick but I can't even imagine going through this. Was it just the flu virus?? Or did he have medical conditions? We got life insurance when i had my daughter.
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| Posted 11/16/09 12:18 PM |
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Tine73
Member since 3/06 22093 total posts
Name:
*********
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
They are doing the autopsy today so I don't have all the details yet - so shocking though!
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| Posted 11/16/09 12:20 PM |
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smdl
I love Gary too..on a plate!
Member since 5/06 32461 total posts
Name:
me
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
So young and so tragic! Because of DS, we had to change our plan for our will. I can't wait to have it finalized. We did life insurance the minute we had DS.
Message edited 11/16/2009 12:23:10 PM.
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| Posted 11/16/09 12:22 PM |
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headoverheels
s'il vous plaît
Member since 6/07 42079 total posts
Name:
LB
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
That is so sad DH and I both have it, it's the one thing that no family should ever be without. And if you get it while you are young enough the premiums are very low (I think I pay close to $200 twice a year for a 750K policy).
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| Posted 11/16/09 12:23 PM |
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Lucky09
2017!
Member since 1/06 7537 total posts
Name:
DW
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
Omg - I keep bugging DH to do this! I have a large policy on me through work, but DH has nothing! 
eta: how tragic...  for your coworker...
Message edited 11/16/2009 12:25:40 PM.
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| Posted 11/16/09 12:24 PM |
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Reese1106
Family of 4! :o)
Member since 8/06 6655 total posts
Name:
Theresa
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
That is so sad. My prayers go out to the family. We have life insurance on both DH and myself.
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| Posted 11/16/09 12:25 PM |
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lakadema
LIF Adult
Member since 5/08 1180 total posts
Name:
Danielle
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
That is so sad
DH and I have had life insurance since we got married, then we have upped it at different stages: having the baby, buying the house, me being a stay at home mom. You need to protect yourself all around. Also, I would add telling people to get LTD insurance as well.
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| Posted 11/16/09 12:42 PM |
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mrsgafforio
LIF Adult
Member since 3/07 3929 total posts
Name:
Christine
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
So sorry to hear . I agree it is very important. I never thought much about it until DH started working in the business. Now I can't believe how foolish I was.
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| Posted 11/16/09 12:53 PM |
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NinaLemon
It's a boy!!!
Member since 10/07 6453 total posts
Name:
Jeannine
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
That is so sad.
We have been talking about this recently, we have 2x DHs salary through his work, but we have been thinking that we really need to increase it because that wouldn't quite cover the mortagage and student loans  If something were to happen we'd want to have enough to make sure there was no debt left.
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| Posted 11/16/09 1:24 PM |
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jlp63
LIF Adolescent
Member since 2/08 871 total posts
Name:
Jenn
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
Posted by headoverheels
That is so sad DH and I both have it, it's the one thing that no family should ever be without. And if you get it while you are young enough the premiums are very low (I think I pay close to $200 twice a year for a 750K policy).
That sounds like a great price -- do you mind me asking what company you got it through? We are looking into getting insured right now...
That is terrible....43 is way too young. My condolences to the OP's co-worker....
Message edited 11/16/2009 2:21:38 PM.
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| Posted 11/16/09 1:28 PM |
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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
we have it and while I cringe paying 150/month for it, it is really a necessity
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| Posted 11/16/09 1:31 PM |
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PrincessP
Big sister!!!!!!!!!!
Member since 12/05 17450 total posts
Name:
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
Same happened to my very good friend. He left behind 3 children with no insurance. Worst part is they had a HUGE home on the water, travelled all the time and the kids got ALOT. Its been 3 hard yrs for them but she just announced her engagement. She really went from riches to rags. I am glad she got through it all. I hope the same for your friend and her family.
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| Posted 11/16/09 1:32 PM |
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CrankyPants
I'm cranky
Member since 7/06 18178 total posts
Name:
Mama Cranky
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
We have it through work. We just finished getting another policy on DH (outside of work) and are working on a non-work one for me too.
How horrible
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| Posted 11/16/09 1:41 PM |
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Beth
The Key to your new home....
Member since 2/06 24849 total posts
Name:
Beth
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
I already learned this the hardway....but I feel lucky that I did not have kids
I still have to pay 2 peoples bills on 1 persons income- I did have a small accidental death policy that I some how pulled off cashing in
but even that took 6 months to get
when I do get remarried- there is no way I would not have a large life ins policy- enough to cover the mortgage- car loans and any other debt plus some extra
for those that cringe at paying it- don't!
SMILE - it could save you from even more heartache if god forbid you need it
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| Posted 11/16/09 1:43 PM |
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CrankyPants
I'm cranky
Member since 7/06 18178 total posts
Name:
Mama Cranky
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
Posted by NinaLemon
That is so sad.
We have been talking about this recently, we have 2x DHs salary through his work, but we have been thinking that we really need to increase it because that wouldn't quite cover the mortagage and student loans If something were to happen we'd want to have enough to make sure there was no debt left.
And honestly, you probably want a policy outside of work for him too. If he loses his job or changes jobs that policy goes away. The older you are when that happens, the more expensive the premiums.
Also-SAHM's should have it too. How would the parents who works outside the home be able to afford to replace all of what you do (child care, house care, etc etc).
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| Posted 11/16/09 1:44 PM |
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pinkandblue
Our family is complete, maybe
Member since 9/05 32436 total posts
Name:
Stephanie
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
Posted by Beth
for those that cringe at paying it- don't!
SMILE - it could save you from even more heartache if god forbid you need it
I know, it is just another bill that is hard to pay every month, things add up quick'
But I know that we need it, ESPECIALLY with the kids 
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| Posted 11/16/09 1:46 PM |
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Michelle1123
Baby #5 on the way!
Member since 9/05 7919 total posts
Name:
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
I'm so sorry for your co-worker's loss. 
Dh has life insurance and I have it thru my job ( 1.5 annual salary) and need to get my own policy in addition the free one because that would never be enough if something happened to me.
I also think its really important for us as parents to make up wills and decide who will care for our children if something happens to both parents. DH and I havent done that yet, but we think about it all the time and need to get moving on it.
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| Posted 11/16/09 1:47 PM |
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JBmommy
LIF Infant
Member since 8/09 252 total posts
Name:
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
That is so sad. It really does blow my mind when I hear that people who have families do not have life insurance.
My husband has a personal 2 million dollar term life policy and a $100k whole life, in addition to a $500k policy from work. People need to remember that work policies are good while you are employed, so it is really importatnt to get personal insurance in addition to work sponsored policies.
I also have a $1 mil term life on myself in addition to the $250k I get from work. It may sound excesssive but we are young, make good money and god forbid something were to happen the last thing you want to worry about is how are you gonna pay your mortgage and take care of your family.
Message edited 11/16/2009 2:10:46 PM.
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| Posted 11/16/09 2:08 PM |
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JandJ1224
Member since 6/06 5911 total posts
Name:
Jannette
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
My husband and I got policies shortly after my dd was born. Something to keep in mind is that you and your dc will also receive social security benefits. In most cases not enough to cover expenses but something to consider when figuring out how much of a policy you need.
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| Posted 11/16/09 3:13 PM |
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monkeybride
My Everything
Member since 5/05 20541 total posts
Name:
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
We just upped ours. We have 1.5 million between both of us plus what DH gets through work. More on DH than me since he is the main provider.
I highly suggest going through a financial planner to see what you needs. Most people do not have enough life insurance.
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| Posted 11/16/09 3:55 PM |
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CaseyGirl
Mommy to 3 Boys :)
Member since 5/05 19978 total posts
Name:
Jen - counting my blessings...
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Re: My PSA for the day....If you don't have it - get Life Insurance. NOW!
How sad :(
It scares me. I have it covering my DH through my job and I also have a small amt through a supplemental policy at work covering me. But since my DH got laid off last year, if God forbid anything happens to him, I really only have that tiny amy through my company. He used to cover me through his old job. I would never be able to afford this house on my own. And right now we can't afford to buy a policy. Unless anyone has an recommendations...
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| Posted 11/16/09 3:59 PM |
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