Be an Advocate for your Future Self

Walk with me for a moment…   you woke up this morning and you are not feeling all that great.  Something is off.  You call in to work and stay home today.  Today turns into tomorrow and then a few more days.  You finally schedule time to go see your Dr. 

Your employer, they are just so amazing.  Letting you know it’s ok.  Get yourself better soon and we’ll see you next week. 

Dr. orders lab work.  It takes a few more days.  Gosh you can’t even get out of bed some days let alone think about work.  You are so miserable.  If you have any loved ones around, they are doing their best to not bother you… they want you to get better soon too. 

Now it’s 2 weeks since it all started… not that it really started 2 weeks ago because you haven’t been quite yourself for about a month in all honesty.  Now your stressed hoping it’s nothing serious. 

The Dr.’s office calls.  Says the Dr. needs you to come in tomorrow or better yet this afternoon to go over the results.  The office asks if you have someone that can come with you.  Oh God, you think what is it?  How serious is the situation? 

You make it to the Dr. office with your significant other, or maybe it’s your best friend, or maybe it’s you and your oldest adult child, or maybe it’s just you…

He comes in so very serious…. We got your lab results back.  You relay no kidding doc what’s going on? What is it? 

Well it’s not good – honestly it’s pretty bad.  He tells you your diagnosis, your prognosis… treatment, how long… etc etc etc

Your world just changed literally forever.  You can not reverse the clock, you can not go back in time, you can not do anything except face what is sitting in front of you. 

Is it cancer? Is it terminal? Is it ALS (Lou Gehrig's)?  COPD? ? is it MS, is it???

Who knows because it could be any one diagnosis out of hundreds that can change your life forever!  The point of this story, is every day the exact situation happens to 100’s if not 1000s every day. 

Now you are facing the most monsterious situation that’s attacking you on so many levels.  Mentally, emotionally, physically, financially, not to mention the stress on your loved ones.

Your job loves you and wants you to get well.  They say we’ll keep your job for you as long as we can…. 90 days’ go by, 6 mo later.… They call you.   Sorry, but We have to let you go.  We can’t hold your position indefinitely.   Or maybe it was identified right away that you won’t be able to work any more.  Maybe you’ll have to file for disability.  Oh my now you start to think what am I going to do financially?  How am I going to live?  Your children?  I will not receive anything remotely close to what I was bringing home before!

The stress - it's so much to deal with.  

Then you remember, oh Michelle Noel from The Noel Insurance Co, she helped me get qualified a year ago for a life insurance policy something about living benefits….I so remember because I told her I was good with life insurance thru work.  She challenged me on that theory.  Asked me if I was going to stay there until I die… or if I would leave sooner like retirement years or worse if I had lost my job then what? Oh my gosh, I’m so glad I listened to her!  She was right! I am sick! I did lose my job and now I’m dealing with this! 

I just wonder if my situation qualifies?  I wonder if I can use some of that policy?  She kept saying it’s life insurance I don’t need to die to use.  God I hope it’s something I can do something with.

Sure enough, the situation was a qualifying event and within a few short weeks.  Depending on the severity of the situation the carrier makes an offer.  You accept or request even maybe less and now you can breath!  Check is payable to you, you the beneficiary because you are still living.  The funds are tax free, you are able to pay your mortgage payments, utitlities, pay for treatments that your medical insurance didn’t cover, the medical bills are handled, whatever you need to handle financially!  Now you can focus on healing! 

The above is just 1 of 3 ways that a Life Insurance Policy with Living Benefits helps protect.  Do you have one?   Contact me today so I can help you with strategies to protect you and your loved ones!