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The Life Insurance Blog

Helping millions of Americans become educated
in making decisions about their life insurance needs


Preparation & Planning Can Make the Worst Situations More Bearable

Jan 28, 2017 5:36:00 PM

what if-128850-edited.pngMost of us like a good surprise, like a fancy dinner or a nice anniversary gift. Unfortunately, not all of life's surprises are pleasant. It's the unexpected job losses, health scares, and even family deaths that send shock waves through our system, making us wonder what we did to deserve such punishment. Here are some tips to deal with tough situations, how the death of a loved one can impact your life, and the ways that an insurance policy can help.

Getting Through Tough Situations

Some unexpected situations are more serious than others. How we handle life and what it throws our way has more to do with personality than the problems themselves. An eight-decade study, called The Longevity Project, has found that the happiest and healthiest people have close relationships, are physically active, and help others. These are things that you can continue to do in the midst of difficult situations to help with stress and even grief.

Other ways to handle tough situations include finding acceptance of what has happened, looking for any life lessons involved, and trying to view the situation realistically instead of emotionally. This can be particularly difficult in the case of a death where there wasn't proper planning.

When a Loved One Dies

Death is a fact of life, although so many of us would prefer to pretend that it isn't. One thing that can make a difference between the normal grief process after a family death and years of financial hardship is a life insurance policy.

Tom Evans balked at life insurance, telling his family that they didn't need it because he was perfectly healthy, even though he was a business owner and the family's primary breadwinner. At the age of 35, Tom had a heart attack, required major surgery, and passed away. His family was left with hospital bills that they couldn't pay, as well as a mortgage, and monthly living expenses that were beyond their means. There was no money for children's college or even burial expenses set aside.

Contrast that story with the Smiths' experience. Mitch Smith believed in planning ahead and purchased a life insurance policy at the age of 28 when his first son was born. Just three years later, with two children, Mitch was tragically killed in a car accident on the way home from work. The life insurance policy that he had in place was enough to pay burial expenses, provide long-term income replacement for his family, and pay for his children's higher education.

Insurance policy

Preparation & Planning with a Life Insurance Policy

If there are people in your life that depend on you, there is a life insurance policy out there with your name on it. Buying a life insurance policy is the best way to protect your family's financial future with several important benefits. Policy proceeds can pay burial expenses as well as replace income when you're gone. It can provide for your children's college education or leave a lasting financial legacy of your design. Contact us to complete a simple needs assessment and start a quote for an affordable life insurance policy now.

Knowledge is power. The more you know, the easier it is to make an intelligent choice. Everyday life, as well as certain events and circumstances, require you to make choices. And peace of mind is gained when you feel good about the decisions you make.


When it comes to life insurance, IntelliQuote is there for you to make the intelligent, well-informed choice. From term life insurance to universal life insurance and final expense insurance, we make it easy for you to compare, shop and save. Get multiple quotes now and make the intelligent decision for Life.


Topics: Life Insurance, Death, Preparation and Planning