Hard Freeze

Yesterday was the first hard freeze of the winter season here in the mid-Willamette Valley in Oregon. We don’t get much cold weather in this part of Oregon and when we do many folks find themselves unprepared for the ice and freezing temperatures.

Yesterday was also a very hard day for us and our extended family members. One of our extended family members crossed the veil of this life into the next life yesterday early in the morning. She had just turned 35 last month and was fighting breast cancer which had metastasized to her liver, heart, uterus and finally her spinal fluid. She was in a lot of pain and had undergone nearly every conventional method of medical treatment available. She died just a few months past her one year of being diagnosed leaving two little children and her husband of 8 years.

This is such a sad story not only because her presence is gone but because less than 5 years ago when she was still healthy and the mother of only one child, she and her husband considered purchasing life insurance policies on themselves. Not that such a policy could ever replace the loss of her life but the financial burden that now must be borne by her family is incredible and that financial hardship is where a life insurance policy would have helped them considerably. With a life insurance policy on her life not only would her family be better prepared financially to cope with what they need to deal with now but during this last year of her life she could have used half of her death benefit to seek alternative care that was not being provided her by conventional medicine. And who knows the outcome of what that alternative care could have provided her and her family?

Life insurance isn’t just for the next guy, as I’ve heard some folks say when they decide not to purchase life insurance. No, life insurance is the best known way to reduce the pain of the known cost of death to those you love and care about. Not only will it help with the added cost of the internment process but it can supply a financial need to a family that must somehow cope with the financial loss which comes when an active member of the family is gone.

Don’t ever forget that those who understand IBC best are those who value family most. Life insurance is a must for those of us that hold these values. IBC just makes it all the better.

Don’t get caught unprepared for the freezes in your life. They can come extremely fast and ever so hard. Be sure and provide something of value to someone else today. Time is short.

By Tomas McFie