Reply Hey Mom! Learn more about the Gerber Life Insurance Grow-Up Plan!
 
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Old 02-12-2009, 06:09 PM   #1
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Would you be prepared if DH died suddenly?

Horrible question, I know...

Nobody wants to think about it. I don't. I wouldn't be.

This blog post really told me I need to step it into gear in this department. We'd be a mess. We don't even have a guardian officially appointed for DS if we both died. It's just all so touchy that we talk about it for a minute and then back away.

This is what Dave Ramsey calls the "I Love You Drawer," I believe.

Hope this helps just a few mamas- file under "Worst Case Scenario."

ETA: In the interest of full disclosure, Gena is family; I'm part of the "ex-husband-family" that she speaks of. But I didn't know she had a blog until today. And now I realize it needs to be shared. With TONS of women.

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Old 02-12-2009, 06:24 PM   #2
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Re: Would you be prepared if DH died suddenly?

Good post! Great blog! Thanks!
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Old 02-12-2009, 06:25 PM   #3
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Re: Would you be prepared if DH died suddenly?

Wow!

Thanks mama for posting this. I realy need to sit down with my hubby and do all these things. I have no clue how much life insurance he has, if I even have life insurance, what different accounts and investments we have...

I guess I will be more involved from now on. All I know is that we do not have any CC's anymore.
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Old 02-12-2009, 06:28 PM   #4
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Re: Would you be prepared if DH died suddenly?

As scary as it sounds...yes. We went through all of this when he went to Korea for a year, and then again when he went to Iraq. It's depressing to think about but at least we have it taken care of.
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Old 02-12-2009, 06:34 PM   #5
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Re: Would you be prepared if DH died suddenly?

Oh, Kris, that is what scares me about life as an army wife... I don't know how you all do it! It is the peace of mind of having it taken care of though, that we don't even have. yet.

I'm married to a Jesse too!
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Old 02-12-2009, 06:52 PM   #6
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Re: Would you be prepared if DH died suddenly?

I didn't read the blog, so don't know whatall it contains, but I believe we are covered. DH has enough life insurance to pay off our house and get rid of all our bills, some to invest, and while I would have to go back to work, it would give me the freedom most likely to not have to work full time. And, provided he waits at least 15 months to die, (would much prefer about 50 years, but practically speaking) I will receive widow's benefits from the military. Should both him and I go, we not only have a primary guardian set up for the children, we have at least one secondary choice, should there be a reason the first can't take them. We know who our third choice would be, but I don't remember off the top of my head if we went that far in our wills.
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Old 02-12-2009, 06:58 PM   #7
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Re: Would you be prepared if DH died suddenly?

I didn't read the replies, but yes. We are prepared. My dad died young, so I know the reality is some DH's (and DW's) do die young and leave you with young children. So, we have always been prepared for it even since we got married and before we had kids. Now, we are even more prepared than before because of the kids. It's scary and unlikely, but you really don't want to lose your DH and then have to figure out how make it too.
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Old 02-12-2009, 07:06 PM   #8
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Re: Would you be prepared if DH died suddenly?

Wow this is great and exactly what I needed right now. We are preparing for deployment and I feel a bit lost. These conversations are hard but not having them and living through the worse case scerenio would be horrible.
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Old 02-12-2009, 07:14 PM   #9
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Re: Would you be prepared if DH died suddenly?

Having almost lost my husband once in a near drowning, I realize how important all this is. We have a will, but it hasn't been updated for awhile and we need to do that as we only had one child at the time it was written and we have since moved.
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Old 02-12-2009, 07:23 PM   #10
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Re: Would you be prepared if DH died suddenly?

No. Pure and simple. Things would be an absolute trainwreck. I have tried to motivate him to get a will written up, but when we talk about it, we end up more confused than we were when we started. The whole idea of not having him here to handle the financial aspects scares the bewillikers out of me.
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