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It’s no secret that I do like to indulge in the finer things in life.
Place a glass of Champagne in front of me and you don’t have to ask me twice. In fact I’m very much enjoying this run of bargain-priced French stuff of late. Long may the ridiculous prices last!
My Champagne tastes don’t stop at the bubbly stuff either.
As you know, despite existing on a beer budget {and not those fancy schmancy boutique beers either} for most of my life, I’m a little bit fond of fine food, a pair of shoes or six, a good salon blow-dry and a spot of travel.
A little bit too fond, if truth be told.
But in my books, life is for living. It’s too damn short to not enjoy the things, people and places that make you smile.
It’s also too damn short not to think about the life you’re leaving your partner and your kids should your life end up being shorter than you ever imagined.
Why am I saying all this?
I’m just five years younger than my Mum was when she and my Step-Dad drowned.
It was a lightbulb moment then – and it certainly is now – that you really don’t know what is around the corner. Lucky for their collective offspring of seven, they DID plan and they did have sufficient life insurance.
It meant that not only did we not have to navigate the issue of meeting funeral and legal costs between us but it also meant that each of us were left a legacy from them. Nothing that could come close to making up for the roller coaster ride of grief we were riding but a legacy all the same.
At the time, I was a new mum. It was a pretty sucky way to get the message, loud and clear, that I needed to plan for MY child – and my subsequent children’s – future. But get the message I did. If the worst should happen and I was diagnosed with a terminal illness or unexpectedly passed away – life insurance can give my kids the financial support to help them fulfil their dreams.
So, each year we review our insurances and take stock of whether they’re keeping up with our assets and lifestyle. It’s an easy process but also an easy thing to let slide.
What’s also easy to let slide is life.
My Mum and Step-Dad had been “saving” their dream trip to Europe for when they retired. This thought still makes me sad.
Not that this is meant to be a sad post. It’s meant to be an ah-ha moment post.
Make a note to check your existing life insurance cover this week – you can find some pointers here as to what you might need. And if you don’t have any, now is a good time to consider your life insurance needs.
The other think you need to do?
Your 2013 bucket list, that’s what. Make that list and start checking it off.
Top of mine?
That was the family trip we made to Bali – our first overseas trip together – something we should have done long ago.
What’s on your bucket list this year? And how’s your life insurance cover looking?
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