Instead of me sitting here and trying to convince you WHY you should be calling an insurance broker like myself to get your family protected with a life insurance policy today, I am going to share a real-life story with you. After nearly 500 hours of emergency room volunteering when I was in my early 20s wanting to pursue education to become an emergency room MD, I saw people of all ages die unexpectedly from accidents (auto/falls/work accidents), suicide, unexpected occurrences (heart attacks, heart problems, cancer, etc.) I’ve understood the value of life insurance for decades…And it’s VERY AFFORDABLE! Read on please:
Expanding Our Family
James was ready to start a family sooner than we did, but he never pressured me, nor did he ask when I might be ready. He just waited for me to say I was, which was a good thing.
By 1981, I had taken a job at a pediatric hospital in Philadelphia, working in the Infant Transitional Unit. While it was hard work, it was also important and rewarding.
Of course, being around kids meant that my mind was constantly on family. I wondered how I’d know when I was ready to start my own family. Some of the older nurses clued me in that they’d probably notice it first by how much extra time I spent holding the babies.
And that’s exactly what happened.
James and I were married for four years when I gave birth to our daughter, Leslie, in June of 1982. It was a happy time.
Just nine months later, I would be widowed.
Why We Got Life Insurance
As soon as we became pregnant, James started talking about life insurance—but I was hesitant. I was 24, but James was already thinking like an adult. It’s not that I wasn’t an adult; the topic of life insurance was just scary. I was pregnant with our yet-to-be-born child, and the last thing I wanted to think about was one of us dying.
I had firsthand knowledge of death–I’d started volunteering at the hospital at age 12, then worked as a nurse’s aide before becoming a nurse. Still, dealing with death was a painful part of my career.
But James was right, and I eventually gave in. He made it as easy for me as he could. The agent came to our home, so we would be comfortable, and the questions really weren’t that invasive.
It was the right choice for us at that time—and, as it turned out, it was a good thing that we didn’t wait any longer.
The Day I Lost My Husband
James passed away on a Tuesday in March. The weekend before, we’d had an especially good time together with Leslie. And that Monday evening, my neighbor came over to watch a show. James sat with us for a while, but he left early and was already asleep when I joined him later.
The next morning, he left for work without me seeing him. Whether he kissed me goodbye while I slept, I’ll never know. I had a hair appointment with the woman across the street. I was sitting in a chair in her basement when I heard rapid footsteps coming down the stairs. I turned to see my brother, Paul, who was a construction worker with James. He just looked at me and said, “Cathy, we have to go.”
I remember him pulling me out of the chair, and driving to the hospital. My first words were, “How bad?”
He just squeezed my hand.
When we arrived at the ER, the other construction workers were there. It was hard for them to look at me–and that’s when I knew.
James had been in an accident on the construction site. Winds were 50 mph-plus that day, and a wall he was working on had collapsed. To avoid being hit, James had jumped off the wall and landed on his back. When the wall fell, a piece of cinder block hit him in the chest, cracking a rib and severing his aorta.
The coroner said that he died instantly.
Contact me today at 1-858-750-9176 or email me at firstname.lastname@example.org I am here to answer your questions and help you understand your options for term, universal and whole life insurance. Prices are cheaper than ever in the last 2 years so even if you have a policy I HIGHLY RECOMMEND letting me shop it for you as I have over 25 insurance carriers I shop at one time for you to get you the best price.