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- The tragic death of my husband at age 37 devastated me.
- There was no will, but we both had life insurance. These checks were a safety net in times of need.
- I used the money from his life insurance policy to buy my own house and start rebuilding my life.
My husband and I only talked about what would happen if one of us died twice. Her one such occasion was when she was doing reviews and comparisons. life insurance plan From his employer and mine. The conversation that followed If one of us died, not when.
it became clear when A sunny day in June 2017.
My husband, Remi, passed away suddenly just weeks after my 37th birthday, leaving me, at 31, a completely crushed widow.
Remi and I have always been a great team. We lived an extraordinary life together in her short 11 years, navigating international movements, moving to Europe and supporting each other through multiple career changes.
Two life insurance checks were my safety net
In the nightmarish haze of the first few weeks after my husband’s death, in the never-ending paperwork and paperwork, life insurance companyboth him and me.
I am forever grateful to my employer for going behind the scenes to make sure my funds were paid out in a timely manner. received. One for her one year’s worth of my husband’s salary, and one for hers, a much smaller amount to cover funeral expenses through my own insurance plan.
First check was done quickly savings account we down payment For our first home that we have contributed slowly but steadily over time. The second check helped him during his first six months adjust his spending and lifestyle to a new single income without the family’s top earner.
Talking only about the logistics of losing a partner isn’t about the utter destruction I experienced at losing the love of my life, but surprisingly it could have been worse. Had my living conditions been less than two years ago, it would have been much worse.
In 2013, Remy and I were forced to leave the beautiful life we had worked so hard to build over the past six years in Switzerland. Like every year, when we reapplied that year, our visas were flatly denied and we soon put together a life of pain, bruised, shocked, unemployed and returned home to Canada. rice field.
If my husband had died while living in Switzerland, I would have had no support system, had to navigate a complex medical system in a third language, and huge hospital bills to save useless lives. would have been left Effort. Any life insurance that might have been there would have been spent on paying hospital bills, sending his body back to Canada, and funding my relocation. .
The situation would have been equally dire if Remi had died just three years ago, shortly after we returned to Canada, when he had recovered from his job search and I was still working as an independent dance artist. There would have been no life insurance, no steady income, no financial safety net.
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I used the money to rebuild my life
I’m not looking for a silver lining when I think of the many ways it could have been worse. The worst has happened. But there is a saving grace. Life insurance was one such saving grace.
Over the years, more and more savings accounts were allocated for the home down payment, and in 2020, I put my life insurance policy and previous savings toward my first home purchase.
Since my husband died, I have taken small but important steps to build a new life.leave city life behind buy my first house It was a big leap rather than a small step. I now live within a safety net made possible by her husband’s hard work and her determination and tragic death. I live in the house that was supposed to be ours. it’s our home.
I benefited from life insurance when I needed it most. Now, as a small business owner, I no longer have life insurance. I could buy insurance as a self-employed person, but I don’t have any dependents so it’s not a high priority list. I would love to have children one day as I am working to rebuild my life from the rubble of loss. And make it a priority to get life insurance when the time comes so that you’ll at least save money if the worst happens again. Grace in the form of a safety net.