Quality Of Life

Look closely at this picture. Does it make you feel sometimes that this is actually you struggling with some heavy burden? Or a serious problem? Or an almost impossible task? Does it make you ask, "What's going to happen if the man slips or fall?" Does it also make you ask, "Can I help?"

Here's a hypothetical scenario I would like you to imagine about this picture:

1. The person pushing the rock is you;
2. The rock being pushed is your family;
3. The top of the hill is financial freedom; and,
4. The bottom of the hill is financial ruin.

This scenario is so common in our society today. We have the breadwinner, usually the father, who provides his family with the basic necessities of life - food, water, shelter, education, transportation and clothing. He works to support his family not only to provide for their current needs but for the future as well. He also needs to save for college education, medical emergencies, unforeseen contingencies and retirement. The whole family depends on him practically for everything.

But what happens if he slips or stumbles and begins sliding down? Slipping or stumbling in this case can mean either death or disability. In that instance he brings the family down, doesn't he? And the family suffers. OR SHOULD THEY?

Does death have to mean the end of the family's hopes and dreams? Is there a way that this can be avoided?

Fast forward. Imagine this scene at the wake. Wife and kids are mourning the passing of the father. Adding to this grief and misery is the worry and uncertainty of how they will carry on with their lives now that their only source of income is gone. The wife, amid her sorrow and pain, is thinking of their future.

They will have to transfer to her parents house to save on rent. She would have to talk to her mom to look after her kids while she starts looking for a job. The kids must transfer schools to save on tuition fees, or if not, stop in the meantime until she can earn and save money for school. She will have to sell some of her belongings so she can have money to start all over. These are the things running through her mind even as she struggles to bear with the loss of her husband.

On the third night of the wake a stranger walks in the room asking for her. When they meet he extends his condolences and heartfelt sympathies. He tells her he knew her husband and that they have talked in the past of exactly this day happening.

And if it so comes to pass he was suppose to inform her she was the sole beneficiary of a P3.0 Million Insurance policy her husband took several years ago in case he dies prematurely.

The anguish and pain are still too heavy to bear but now the wife doesn't have to carry the extra burden of uncertainty over her family's future. Life must go on. But the quality of life you leave to your family can be predetermined and not left to chance. Do you agree?

Have you prepared for the biggest crisis your family might face? It isn't too late yet if you haven't, provided you are in reasonably good health. Go talk to a life insurance counsellor now.

All photos sourced from Pixabay.