My Personal Story of Getting Life Insurance
The first time I really listened and had a good conversation with my mum was when she spoke to me about how life insurance could have changed everything for her.
I was 35 at the time and my mum had only been back in my life for a few months. Before that, the last time I had seen her was before I started school as a young boy.
It’s strange that a conversation about life insurance would have such an impact, but it definitely changed my whole perspective on protecting my family.
Up to that point in my life, I was very career-oriented. I was also something of a nomad, but that was about to change. I was swapping my international lifestyle for a more settled life with a man named John, who I was about to marry. The wedding was the whole reason for wanting to reconnect with a mother I barely knew.
It was easy to find her, I still had contact with my Auntie Jane and her family. However, the new relationship with my mum was strained until I learned more about her experience as a young mother.
My mum sat me down, and over a cup of coffee, talked about her life with my dad and me. It had been a good life. My dad had a decent job working as a car salesman and my mum was a PA at a local housing association. Life was pretty normal.
Until, at the age of 40, my dad suffered a massive stroke and my mum was left to take care of me and a mortgage with no insurance. Apparently, there wasn’t any particular reason for not having insurance; just a lack of necessity at the time.
As the debts grew and grief took over, my mum decided to take off and leave me with my dad’s family. She had reached her limit and needed to get away.
My turning point
That chat with my mum was a bit of a turning point for me. While my main concerns had previously been whether I was going to miss a flight or which hotel would give me an upgrade, I was now looking at life insurance policies alongside wedding invitations.
It turned out that John already had a policy for himself, so I needed to look at what was the best life insurance choice for myself. I was completely consumed with the need to protect my family.
I chose term policy for 20 years and it was only going to cost me £5 a month. There was a basic medical test that I had to take for them to understand my health and took less than 20 minutes.
Still happy with my life insurance choices
Life hasn’t exactly gone according to plan over the last 15 years but I’m still delighted with the life insurance choices I made. I even took a top-up policy out 8 years ago after my split from John, and I took on my first solo mortgage.
Life has also been unexpected in a good way. I’ve taken a totally different career path as an art therapist, which gives me a huge sense of satisfaction. Also, more importantly, John and I are jointly raising twin boys that we didn’t think we were ever going to have. Max and Jack turned 10 last month and they can both test my patience.
It’s good to know that they’ll be protected if anything happens to me. Taking out fixed term life insurance is one of the best decisions I have ever made, along with avoiding any form of reality TV. I’m pretty sure that both those decisions have enhanced my life.
I may have a failed marriage behind me, along with some unwise employment choices, but I have absolutely no regrets. I have two great kids, a fulfilling career and I’m buying my own home. My mum and I still don’t have a picture-perfect relationship but she’s in my boys and my life.
Most of all, I’m grateful to her for helping me see the value of life insurance. Now, I have policies in place to make sure that Max and Jack have no financial worries if something happens to me.
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