Experience Title: Unemployed and, Interviewing, we had no life insurance in the meantime.

My husband is dead!

Tim was such as wonderful father and friend. He got up so early every morning and commuted so far to give his family a great life. He was so compassionate and would help anyone. We will miss him dearly, but we know he is in heaven looking down on us.

Tim and I sat down two years ago with a life insurance agent and they clearly educated us on life insurance and the different types of policies available. They did a thorough needs analysis and then made some recommendations. There is one eye opener that I remember to this day! Tim was making about $250,000 a year and had two times his salary in Life Insurance provided by his employer. Sounds Great! Wrong! Our life insurance agent explained that his insurance at work should only be considered as icing on the cake and to manage our life insurance policies outside work. The reason was, if he was laid off, his insurance would cease in most cases. Not to mention he would be much older or he could have developed a condition that would make him uninsurable. GET THE POINT!

This was the grace in saving my family today. It turns out Tim was laid off from his company and was driving into Chicago for an interview when he was killed in a fatal multi-car accident. Without the knowledge and insight of the life insurance agent, what we thought was adequate coverage would have left my family and I homeless considering Tim lost his life insurance benefits when he was laid off.

There aren't many nights that go by that I do not thank God for bringing the life insurance agent into our lives. It’s almost two years later and we are still getting over the death, but the three of us have enough money to handle any challenge that comes our way.

Terri O., Chicago

P.S. Much applause to you guys for making these experiences available to others.

My Suggestion To Those Reading This:

I would recommend that you take the time to really understand your family's risk exposures if the bread winner was gone. Get a real life insurance agent and have them sit down with you and figure out the right type of policy to cover your family's exposures. As you can see from my case, if we would have not known that Tim's Life Insurance may have ceased on his termination, I would be homeless today. I am sure there are so many other situations out there. It is the life specialist that will be able to look at your family and expose the holes and needs.

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Experience Title: Divorce is hard enough!

When I was divorced ten years ago, I never really understood the reason why the judge and my life sales person recommended that I get a life policy on my ex-husband and that I should be the owner.

Now today it is all too clear! First of all, knowing my ex-husband, if I was the beneficiary and he was the owner of the policy, I would get nothing. That is because if he stopped paying the premium, I would never have been notified and my kids and I would have been at risk of getting nothing when the policy expired for nonpayment.

Now, since I am the owner of the policy, I am responsible for the payment of the policy even though he was required by the judge to make the payments. And you know what? About four years ago, he did stop paying the life premium. I was notified of nonpayment and had the chance to immediately make the payments to bring the policy current. Thank God I did. He died three months from that day. My family and I now have all the child support we need and a bright future. I am sharing this story because someone did a good deed for me and I want to pass it on.

Vicky in Arizona

My Suggestion To Those Reading This:

Time is moving so fast and life comes and goes daily. Whether you are getting divorced or are happily married, Life Insurance is a necessity! Not to mention, it is so cheap. I would highly recommend using Life Insurance Quotes and Life Specialist at Your Service as I am using them myself to review my current policies. Just look at the wealth of real life experiences they are making available. They are genuine and really do care.

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Experience Title: You’re never too young for Life Insurance!

Some of your stories brought back so many painful memories, I felt it important to share how one day I insured all my kids and never asked the price.

Back in 1979, Mark, the son of a very close friend of mind was put to rest. Mark was only 14 years old when he was taken from us.

For the first 8 years of Mark's life, he was as healthy and normal as any 8 year old kid. At the age of 9, Mark started having bad stomach cramps and started losing lots of weight. After many months of tests and hospitalizations, Mark was diagnosed as having Crohns disease. It took 4 years, three major surgeries, lots of horrible health food, and a colostomy to finally get Mark's life back on track.

Everything was going great for Mark, that was until a year later at the age of 14, when Mark started having sores and other immune issues. It turns out that he had received the HIV Virus from a blood transfusion during one of his surgeries.

Unfortunately Mark died within the year.

Now you can imagine the funeral cost, doctor bills from the original surgeries and now the HIV costs that followed. Our friends did have medical insurance through work, but let me just say, their life time cap was reached quickly. The unfortunate part is they had plenty of insurance on the parents, but none on the kids.

Kim K., Ohio

My Suggestion To Those Reading This:

If you have kids, get them covered while they are young, you never know. For us, thank God we never had to use any our policies. Instead the cash values accounts have accumulated to nice little nest eggs for our children.

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Experience Title: Thank God we never needed it. Now we have money for retirement!

Thirty two years later and I am as ornery as the day I married Linda. Linda and I were on the internet looking for information on annuities and came across your site. I read your stories and wanted to tell ours.

I bought a permanent policy 32 years ago because I loved my wife and if I died, I wanted to ensure she and my family could continue having the same level of living. Now if I didn't die, we would have enough money for retirement. HA! HA! HA! I beat the odds and out lived the need for life insurance as my family has all grown up and moved away. I get the cash! I am sure I will die some day, but until then, I do know I have enough money for Linda and I to last a life time.

Ted H. - Baltimore

My Suggestion To Those Reading This:

Read all these stories until you are convinced you need life insurance. Face the facts; DEATH is the only guarantee in life. You brought your family into the world and it is your responsibility to protect them. Use their life insurance calculator and find how much you need for your family and then get a quote. It's FREE. You win no matter what! If you die, your family gets the cash tax free, and if you out live the need, you can get the cash and be like Linda and I.

If you still are not convinced, just start asking people around you if they know anyone that died without having life insurance and what happened.

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Experience Title: Tom, You Really Hurt Us!

To My Dead Husband Tom,

Why were you so against insurance? You always chuckled and laughed that you would never die and I would just remarry. Well guess what? You died one year later! It’s now two years later, all our money is gone and I have some real physical and mental challenges.

I am left with our daughter Susan, NO HOME, working two jobs, and bills coming out my $##, and the damn collectors will not stop calling. They are even calling our friends and my work. The doctor bills for your heart attack alone were in excess of $90,000.

The fun and laughter is now gone and we are really hurting! When I really think about it, I believe I am as much to blame as you are. I should have opened my mind and imagined the alternative picture the life guy was painting. Instead I chose to laugh about it and assumed it would never happen to us.

The joke is on me! I am not remarried and most likely will not get married ever again. When someone dies it is amazing the sorrow and pain that comes to the surface.

I want to let you know that I now have a policy on myself, and I make sure it is the first bill paid. If something ever happens to me, I want Susan to be protected. You know what kills me the most? For only $30 month, we could have been protected.

Tina

My Suggestion To Those Reading This:

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Experience Title: Daddy Thanks for Caring...

I remember it like it was yesterday. It was December 14, 2001 at 3am in the morning and my mom was screaming. I ran in the room and my mom was screaming that dad had a heart attack.

You expect people these days to have a heart attack after they are 50 or 60 years old. In my case, my dad died when he was 33 years old.

I do not think you can ever be prepared for what will happen in the future. My dad never got to see his insurance money, but it sure helped us pay for the funeral, doctor bills, keep the home, and provide for the many challenges yet to come.

Thank You Daddy, I love you.

PS. I will graduate high school this year and go on to college at the University of Nebraska.

My Suggestion To Those Reading This:

Parents, you brought your kids into the world. Plan ahead and protect them.

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Title Experience: He said no, but I said YES!

Dear Tammy,

We miss you so much, but I want to let you know that I appreciate you so much about us and listening to the life insurance specialist three years ago even though I was so against insurance.

I know you are no longer with us and how wonderful it must be in heaven. I just wanted to let you know that we are all ok. The kids are all growing quickly and our new nanny is wonderful. At first I was worried how I was going to be able to continue work and take care of a family at the same time. Although we all miss you every minute of the day, your planning and forethought has sure made it easier not having to worry about who will take care of the kids and the house. Instead we get to focus on you and our memories.

Tammy, thanks for being so persistent and forceful.

If you are reading this trying to decide whether you need life insurance, ask yourself this question "What will happen to my family and friends if I die and are they worth the $25 a month?"

Your husband - Ted