Life without you?

Ok, so random topic. But having had a wee health thing that cropped up a few days ago and freaked me out a little, (you know the snowball effect in your train of thought of oh my god what if it's this, oh crap oh crap oh crap), It suddenly made me realise that whoa, what if something happens, what if i don't get to see my kids grow up. It made me realise there are so many things I'd like to do, or experience, or share with them. Just a weird mummy-panic moment i guess where you realise your own mortality.

Just a wee thought and question for the day, how many of you really know what would happen without you? do you have life insurance? health insurance? what things are in place... or like me, are you just waiting till there's more money for life insurance, or till you get married to do the will?

I just realised how much I take it for granted that things will always be ok. (and why shouldn't i.. cos they will you know. )

Hope this isn't a downer.. isn't meant to be, just a bit of a deeper and meaningful conversation starter.

We looked into this a little while back and took out life insurance (both of us), it's not a "lot" as far as LI goes but it will cover the funeral and the mortgage, and hopefully make life on less income a bit easier on our spouse. We did our Wills at the same time. It was so hard to find guardians! And I try not to think of what would happen without us having Wills, FIL and M would be at loggerheads over who gets what

mum2paris wrote: I just realised how much I take it for granted that things will always be ok. (and why shouldn't i.. cos they will you know. ) Hope this isn't a downer.. isn't meant to be, just a bit of a deeper and meaningful conversation starter.

Power of Now!!!

i have life insurance but no will i must do that but i know that james would be going to my parents and if they were to old my little brother and his pantner

I have life insurance covers the mortagage. DF doesn't qualify cause he's in the military, if anything happens to him I get 4x his salary and his super.

We got wills done when we brought the house, and will redo them when we get married.
There was some odd quirk with wills, in that if one of us dies and then the other dies within 14 days you have to say what will happen.

I don't have health insurance, should probably look into that so if we need it we have the option of going private.
DF gets free dental and medical care, makes me want to join the military for the perks.

It is something good to have in place, cause family don't always respect your wishes when you die.

I have health insurance for me and the boys (I've had it since I was 4 so was keeping it). Me and DH have a will as we got it when we brought the house (the lawyer told us he does them for free with a mortgage). But we don't have life insurance but it is my next thing to look at once we are both sorted.

mm we thought that too.. a few years ago it was a toss up between the girls living with my sis in hamilton.. (who is now a single mum with teenage kids.. not knocking single mums at all but would want my girls to be in a 2-parent environment) or mikes parents.. also though, while they are younger than most in-laws.. only just in their 40's, they are still used to a fairly kid-free lifestyle.

Ultimately i know that most people in my family parent VERY VERY differently to me and mike, which is fine for them but i would hate to think of my girls in that situation.

We need to look into wills, i mean we have both always said our preferences etc, (ie i would want burried, he would want cremation) and all that, but yeah, it would pay for us to put it into a will i think - it's one of those things you know you should do, but never quite get there.

I would looove my parents to be able to take the kids as they love them and the kids spend alot of time with them staying at their place... but my parents are in their 60's and while they are used to the kids... it would be too much for them!! And my sister isnt capable.. no kids of her own and she is a bit clueless... and she has issues... so we have no idea at this point... friends have said if anything happens to us etc etc but they dont have kids of their own yet... and what would happen when they do... I mean 3 boys on their own is alot!!!

we did our will just (and I mean just the day before) we left for the Uk. I had this horrible feeling what if the plane crashed? what would happen to the kids if they survived and we didn't? As it is we are fine and made it in one piece but we have a will in place. Dh has the kids if I die and visa versa and my parents if we both die. Don't know what I would do if my parents died, as really theres nobody 'I' (nor they I suppose) would want to have all three... cross that bridge when we came to it

As for life insurance yep both got that too... Its not alot and really you got to think - Whose gonna pay for your funeral if you die??

Do you want to burden someone with the cost of that?

hmmmm very touchy subject in some respects, we have wills and my brother and his wife are the guardians of my two, not sure if they know this oops must tell, I would not want them to go to my dh family as much as I like them they have totally diff parenting style to me and are alot older than us with grown up children dh youngest is youngest of 8. As for medical and life insurance don't have any our budget does not allow it but it is something I would have if we could afford it and in the back of my mind it worries me that if one of us did die how would we pay for funerals eeekk can't bare to think of it!