Split Second Decisions – Have a plan!

Today I was awoken at 3:34 a.m. to my home alarm blaring and my wife jumping out of bed. At that moment, I had multiple thoughts going through my groggy head and I was wondering how I was going to protect my family. As I got into our den, I saw the door to the porch was open and again I was reminded that I had to people counting on me to keep them safe. About that same time, I felt a big gust of wind and realized that it was the wind that had blown open our unlocked and unlatched door. False alarm!

After locking the door and settling back in for a couple of hours sleep, my wife looked at me and said “we need to have a plan”. She was talking about a plan to protect our children should this not be a false alarm. Of course she was correct (she usually is) and having a plan is important. We are going to talk about this sometime other than 3:34 a.m.

As a life insurance fanatic, I immediately thought about life insurance and what would happen if someone did not have a plan. What would happen if they did not have time to make split second decision? Would their family be prepared to face the future without them? Emotionally I can tell you it would be hard but financially it would be much harder. The statistics we read today tell us that people are not ready for those split second decisions. Consider this: If 33% of Americans have $0 life insurance and 82% don’t have enough, how are the ones they leave behind going to make it? 

As the great Will Rogers once said, “Anyone who dies without life insurance should have to come back and see the mess they have created.”

Please take the time to make sure your family, your clients and your friends have a plan. No one knows when the wind is going to blow and their time on this earth is up. Remember, life insurance is not for the ones who die it is for the ones who live!