we are so grown up

dear world,

a couple months ago, i read an article in one of the parenting magazines about life insurance. it discussed the different types of life insurance, but also how much life insurance one ought to have. suddenly, i realized that if one of us was gone, we would literally not have enough money to care for our children.

i started investigating life insurance companies and eventually got overwhelmed by the sheer number of choices, companies, options out there. i randomly called a couple places. the first place left me on hold for too long. i gave up. the second place set me up with an appointment. this was back in early february.

now, 3 months later, my husband and i each have life insurance policies. we have set up a trust in case we both die in the same accident. we have a guardian for our children in the event of that same accident that takes us both out. we have wills. we have an executor for said will who is different from the guardian. t’s crossed. i’s dotted. we even have an umbrella policy in case we get sued by someone who could sue us for more money than we have.

i feel completely exhausted by my responsible-ness. and a little broke. making sure there is a good plan to take care of your kids should you happen to die is morose and expensive. but at least now it’s done. we just have to sign a couple more papers and we’re set for a good while.

the funny thing for me is as i was telling my mother about all of our planning, she said, well i’ll take the girls. and i had to say, no, actually you won’t. isn’t it counter-intuitive to assume that one’s parent will look after one’s child in the case of an accident? i mean, i’m not hoping my mother will die before i do, but isn’t that the way it’s supposed to happen? parents are supposed to predecease their kids. that’s why it’s so sad when i child dies first.

hoping i don’t ever have to use this insurance,

cm

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