Are You A Planner?
I’ve always been a planner. Sometimes I think I drive my kids nuts… talking about and wanting to plan for Christmas in September! I don’t decorate until after Thanksgiving though. I think I learned this trait from my mother. She planned everything! We planned for small events and BIG events!
We plan for parties for birthdays and retirements, Christmas and other holidays. We plan vacations and even just short weekend road trips. You wouldn’t want to set out on an across-the-country road trip without first looking at a map would you? We make plans for weddings, graduations and anniversaries.
And what about the smaller or daily living events that need planning? I always have a grocery list when I go to the store because I want to make sure I have all the ingredients I need for our meals. We plan our trips to Costco or Sams when we’ll need to replenish our toiletries, canned goods and/or bulk items. What about planning to pay bills? The money comes in and it goes out… but not necessarily all at once so we need to plan.
Why Do We Plan?
So that things will go smoothly; so that nothing or nobody is forgotten and because it’s not good to leave things up to “chance” is it?
Remembering the birth of my son Benjamin always puts a smile on my face and a tear in my eye. For the first time in my young life I felt unconditional love. It’s a love to this day, 40 years later, that still puts a smile on my face. Along with that feeling of love, came the feelings associated with a HUGE sense of responsibility. I was the caretaker of this little helpless soul. He had only me to ensure that all of his needs (however basic they were to begin with) were taken care of and he didn’t even know it yet.
So, coming back to planning. Why, with all of the love and responsibility that we have had throughout our lives would we leave that last BIG event up to chance? Why wouldn’t we plan for our final expenses, our funeral and not leaving behind debt for our family to deal with? We want everything to go smoothly and to have peace of mind knowing that everything is taken care of, in it’s rightful place. Yes, our last BIG event is our leaving this planet. It’s our passing and unfortunately leaving our loved ones behind to miss us. Why would we want to add to their already distressed time? Do you know where to begin planning this last event?
Here’s A Few Things You Can Do To Plan This One:
1. Put your final wishes on paper.
2. Have that conversation with your family about your final wishes. Be sure that they (or someone) knows where your important documents are stored be it in a bank vault, file cabinet, dresser, drawer or computer and passwords, etc. associated with this.
Just the last few weeks, I’ve had my son and his family over to go through old photographs. We’ve laughed, cried and now they know what my final wishes are as well as where my documents are kept. Going through these photos has been a great segway to that somewhat uncomfortable conversation. But I’m sure glad that we’re having it!
3. Make sure you have the funds needed for your final expenses. I sigh when I read or hear that someone has passed away and donations are being accepted in the trust name of so and so at this or that bank or institution. I sigh because this is most likely due to that deceased person not having burial or final expense insurance in place. Not only is burial or cremation expensive these days (the average funeral is $8,000 – $12,000) there could be bills that need to get paid as well. All of this can be planned and paid for before this final event.
Have you planned for this last event? Do you know who you’re funeral will be paid for? Do you have peace of mind knowing that your family won’t need to pass the hat at your funeral? Have you thought about leaving a legacy? How do you want to be remembered? All good questions.
If you have the least bit of unease, call your financial planner or life insurance professional. That’s their job. That’s my job.
I love what I do. Helping people by providing peace of mind always brings me joy. I’ll even help you get started. As my thank you for requesting a final expense, sometimes referred to as a burial insurance quote, I’ll send you a Pre-planning Funeral Expense Guide as my gift – Everything you need to make pre-planning easy is in this short guide.
I’m a planner. I hope you’ll allow me or another insurance professional the opportunity to offer you and your family Peace of Mind knowing that this last BIG event is taken care of. Give me a call at 719.671.8099 or schedule an appointment. There’s no cost for consultation which will include a quote as well so that you too will know how you’ll be able to pay for your funeral, your cremation, final expenses or memorial service.