What Happens If My Husband Dies Suddenly?

What Happens If My Husband Dies Suddenly?

Hello everyone.

This post comes to you directly from Thailand while I’m away on holidays.

There are so many things I thought to write about while I’m enjoying time with my family – traveling with kids, things to do in Phuket, a review on our resort or maintaining my standard of lifestyle while on holidays.

Being away with my family makes me grateful for all the good things in my life.

But a thought that I can’t shrug in this time away reflecting is “what happens if my husband dies unexpectedly”.

Doom and gloom sort of subject I know but it’s something that is important to me.

You see I’m a full time stay at home Mum. I help make my house a home. I run the kids around. I enjoy cooking and cleaning. It’s how I best serve my little Family.

Our household income comes solely from my husband.

This is the sacrifice we decided to make once I finished up full time work almost 4 years ago.

I’m at home and he’s at work.

So if my husband suddenly passes away – our family will be in clear danger.

We talked about all sorts of scenarios if this happens.

The result?

Confidence.

Confidence to know what to do if an event happens.

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Here are the Top 3 things we did to ensure our future if either of us or both of us suddenly pass away:

  1. Insurance
  2. Will
  3. Estate planning

1. Insurance

We like to think about insurance as paying for peace of mind.

You can choose to spend some of your money or not. Totally up to you!

There are all sorts of insurances out there for the ‘in case that happens’ scenario.

Private health insurance to cover you if you need services at the hospital.

Car insurance for damage to your car.

Funeral insurance to help ease the ‘burden’ of your funeral costs.

Travel insurance for all the things that might happen while you’re abroad.

Pet insurance for your little family companion at home.

I think there is insurance you can purchase for anything you can think of!

Here is my simple summary for our insurance explained by our family professional.

  • Life insurance

If either of us die then there is a lump sum payment that can paid out to help the remaining family members

  • Trauma and Permanent Injury

This type of insurance covers us if either of us sustain an injury that is permanent in nature.

For example if either of us were paralysed or permanently incapacitated then a lump sum is paid with an ongoing monthly income.

  • Trauma

Trauma insurance is something that will cover you if you sustain a serious injury but you are likely to recover.

Let’s say Leki has a car accident and needs 6 months to recover from his injuries. This insurance coverage is activated as his other insurance policies do not cover this type of injury.

This is a lump sum payment with can also work in conjunction with Income Protection below.

  • Income Protection

This type of insurance product is for when you are unable to work and a regular monthly amount (you have previously verified through your tax returns) is paid to you to cover your expenses while you are not able to work.

Think of Income Protection as your ‘weekly pay’ that you would be getting if you were working. That cash flow would help you buy groceries, put petrol in the car and pay for things that the family needs.

If you got struck down by an injury playing sport for example and you were unable to work for 2 months while you rehabilitated then you can action your income protection insurance.

So there you go.

As I understand it – if you are thinking about your insurance cover when you are ‘younger’ say in your 20s and 30s then the cost of your insurance will remain ‘cheaper’ then if you consider taking on insurance when you’re older and the risk of dying is higher.

I know this all sounds really dark and gloomy but I prefer to think and talk about these things with my family so we are clear on the best plan moving forward.

Just talking about it makes me confident.

It used to be that thing you thought about but never openly talked about it.


2. Will

Through our family lawyer Leki and I organised both our Wills.

It’s quite basic and doesn’t involve too many fancy things but it outlines what should happen if either or both of us suddenly pass away.

We approached the people we trust who we have named in the Will for their approval and counselled them on what our wishes are in the unlikely event that something does happen.

We talk openly about scenarios and what the lump sum payment from our insurances will be used for plus to assist with the ongoing costs of raising our children.

Talking about our game plan and likely scenarios really helped us but also assisted our appointed members on their accepted roles.

This is something that we review every year so that it is updated as we organised our Will when Eme was 1yo.

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3. Estate Planning

What does that mean?

Well, to me it’s about what we plan to do with all our things or assets.

Both physical and non-physical.

You see it may be one things to have all the money in the world but what’s the point if you can’t enjoy it or more importantly pass it onto your children and help set up future generations.

I often think about stories of generational wealth being lost within 1-2 generations.

For example, let’s say your grandparents work hard to establish a business.

Then that grandparents teach their children who grow up and build the business to a new level of success.

Often, once the grandchildren are introduced to the family business all they have ever seen is the success and they tend to ‘enjoy and then spoil’ the success that their grandparents built.

This is not always the case but it’s very common.

I love this quote on this topic with this article – “The first generation builds it. The second generation sustains it. The third generation spoils it.”

The third generation rule stats that over 90% of great wealth over 2 generations lost by the 3rd generation. Crazy!

So from our perspective it’s one thing to have material wealth but it’s just as important to teach our kids about our philosophy of things to set them up for success as best we can.

Simple truths that have stood the test of time.

Don’t spend more then you make.

Work hard for the things you want.

Be happy and grateful for all that you have.

Finish all the food on your plate.

Don’t give up on your dreams.


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So I would like to say that this post is not something you should take as gospel.

Think about your family and what would happen if you get thrown a big curve ball.

How will your family survive and thrive if one or both parents suddenly die?

Have some hard conversations with your partner.

Self educate and ask some hard questions to your chosen professionals in this space.

Try your best to teach your kids and lead by example.

I don’t want to come off as preachy as I’m not a professional in this space but what I can tell you is that I can sleep a little bit easier at night knowing that if something does happen we have a game plan – regardless how painful it may be.

As they say – Knowledge is Power.

Sending you positive vibes 😉

With love,

Belinda xo

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