By Emily Carter
A few years ago, my husband Michael and I went through something no one is ever truly prepared for – we lost his mother. It was sudden, heart-breaking, and chaotic. She hadn’t made any arrangements. No savings. No life insurance. No final expense policy.
The cost of the funeral blindsided us. Over $11,000, due upfront. I’ll never forget the look on Michael’s face when he saw the bill. He was already grieving the loss of his mom, and now we were facing debt we couldn’t afford.
We maxed out credit cards. Took out a personal loan. Delayed our daughter’s school tuition. And for months afterward, the grief was tangled in guilt and stress. Every monthly payment was a reminder of what we didn’t see coming. My husband took on extra shifts just to keep us afloat, and I could see it slowly wearing him down.
So when my own mother sat me down just a year later and told me she had purchased a final expense insurance policy, I felt a wave of emotion I wasn’t expecting.
“Mum,” I said, “you really didn’t have to.”
She just smiled softly and replied, “Yes, I did. I’ve seen what you and Michael went through. I won’t do that to you.”
She passed away peacefully last spring. And because of that one decision – because she had the foresight to plan—we were able to say goodbye to her with hearts full of love, not dread. Her funeral was beautiful. Paid for. No scrambling. No debt. No second jobs or panicked phone calls. Just time to mourn, to remember, and to begin to heal.
That was her final gift to me.
I know death is not a topic we like to think about. But the truth is, not talking about it doesn’t make it go away. It only leaves the people we love most in the worst kind of pain -emotional and financial.
Final expense insurance is not about planning for death. It’s about planning for love. It’s an act of care that says, “You won’t have to worry when I’m gone. I’ve taken care of it.”
If you’ve ever been through what we went through with Michael’s mom, you understand. And if you haven’t, I pray you never do.
Please – if you’re thinking about how to protect your family, don’t wait. Look into final expense insurance today. It’s not morbid. It’s not selfish.
It’s the most selfless thing you can do.
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