Moderate Living

Hello, I'm Mike – I write every Tuesdays and Fridays

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Life Insurance

Background: 2 weeks ago, while doing ladder related stuff for the house, the idea popped into my head that perhaps it’s time I get life insurance…

Mom called me yesterday afternoon. A passing acquaintance from when I was younger, whose parents are friends with my mother, had a sudden heart attack and passed away despite best efforts to resuscitate her. She had some type of heart issue that she had surgery for some years back so this comes as a complete shock to me.

She was only 44 – Jason Christ!

She was so much healthier than me – always active, doing all the cool young-people stuff like hiking and backpacking. For her to pass away like that, it’s insane.

I am thinking about her parents right now. I can’t imagine the anguish they must be feeling.

For me, I’m thinking that the life insurance policy I took out a couple of weeks ago may have been the most prescient purchase I’ve made in a while. Who knows what the heck can happen at this stage in my life. In many ways, I am a walking heart attack myself waiting to happen.

Per the life insurance policy, funeral arrangements and such will be taken care of, Mom will be the lone beneficiary. Of course, I have insurance contingency clauses…just in case…you never know…I may die under strange circumstances and suddenly Mom is showing up to her church functions driving a Ferrari and wearing clothes from Dior 😂

The only thing that couldn’t be included in the policy was a formal news announcement on the major TV networks, and the 1000 crying people.

Maybe the policy will be amenable to a handful of paid actors, like this guy:

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27 responses to “Life Insurance”

  1. KikiFikar Avatar
    KikiFikar

    It does give you pause when you hear of someone’s passing especially so young. I’m sorry to hear this!

    I snorted. You got me with the Boost Your Funeral services post. You do know this is a real thing in NY? Well I didn’t know people were actually cashing in on this but funeral homes in the city used to have professional mourners. My first grandparent died in 1977. The wake was in Queens. These women in the back were sobbing and beating their chests. One had a box of tissues. I said to my Mom how did Grandma know these two? I can still see my Mom’s dripping sarcasm – she said Ka these women are hired to cry but the funeral home. Your aunt paid for them as part of the package. We were dying (no pun intended). To this day we bring it up at a family wake!

    Reply
    1. Michael Williams Avatar
      Michael Williams

      I did not know this was the case Karen! I mean, I’ve heard of such services but I did not know it was enough to be a thing.
      I originally meant to include videos from the state funeral for the North Korea ruler back in 1994 but I thought it would have been taking it too far. Now that I know you and more people have seen this stuff in person, I guess I should ask the underwriters if I could have professional criers at my funeral lol. As for your grandparent’s funeral; they were beating their chests too??? I am amazed Karen. thank you for telling me or else I would have been in the dark about it 🙂

      Reply
      1. KikiFikar Avatar
        KikiFikar

        Haaaaa! I’ll look the video up! Yeah these things with the professional mourners are crazy! As a kid I had a wtf moment before wtf was even a thing! These women were full out hysterical. Over Grace Eastwood who died from heart failure. Now I just see it all of the time. The dramatics are incredible.

        Reply
  2. CJ Antichow Avatar
    CJ Antichow

    That’s sooooo funny!

    Reply
    1. Michael Williams Avatar
      Michael Williams

      these ppl are so crazy lol

      Reply
  3. nancyb422 Avatar
    nancyb422

    I worked for an insurance company for several years so I learned the benefits of life insurance!
    Good for you for doing it.

    Reply
    1. Michael Williams Avatar
      Michael Williams

      you know, I had no idea! and plus, all the thought that goes into final directives is quite a bit of work! I should have taken a policy out years ago.

      Reply
  4. Nancy Homlitas Avatar
    Nancy Homlitas

    I once attended a funeral where just about everyone boosted it. Weeping and wailing and carrying on-pleading for tissues and comfort. And the deceased was an octogenarian who did not die unexpectedly! I enjoyed your post, Michael. 🙂

    Reply
    1. Michael Williams Avatar
      Michael Williams

      I can’t believe I’m finding out more people have seen, and know about this! lol
      Maybe I should have my funeral have a grand theme – like I was a head of state or something lol. Happy Friday!

      Reply
      1. Nancy Homlitas Avatar
        Nancy Homlitas

        🤣

        Reply
  5. MJ🍸 Avatar
    MJ🍸

    Yes! That was hilarious, about the car and contingencies. That’s so wise! I’ve got a couple policies, just to ensure my family will be financially secure after I’m gone.
    I’m opting out of a funeral 🤣

    Reply
    1. Michael Williams Avatar
      Michael Williams

      😀 right???? you never know what ppl will do for that insurance money lmao
      i don’t know why I didn’t think of taking out a policy until now. but i will say, I’m glad I did!

      Reply
  6. ibarynt Avatar
    ibarynt

    I’m sorry to hear about your acquaintance Mike. I’ve observed it’s the young and healthy that are gone way before time. Truly makes me think.

    Just yesterday I and hubby were talking about insurance. We’re paying for medical which we’ve thankfully never had to use, but that appears to be wasted, we’ll never get that money back. The bigger issue is that claims are denied more often, now that is waste.

    On a different note, I was going to mention professional mourners.. you found that service 😁.

    Reply
    1. Michael Williams Avatar
      Michael Williams

      i know what you mean about insurance. it almost seems like life insurance is the only type of insurance that’s most useful. why pay for health insurance if there is an instance by which they won’t help you?? 🙁

      Reply
      1. ibarynt Avatar
        ibarynt

        Exactly, hubby has put that on hold this year. Atleast offer discounts for maintaining good health isn’t it. But how will they make money then.

        Reply
  7. justrojie Avatar
    justrojie

    i got my life insurance started when i was 26 cause… ya never know lol pple in california drive cray cray

    Reply
    1. Michael Williams Avatar
      Michael Williams

      right????? the drivers…and now cause you have all the nutjobs worshipping mountain lions to the point of letting them spawn all over the place you gotta be careful now when you’re hiking up the hills.

      of course, you don’t want to be telling the insurance company if you do that lol.

      Reply
      1. justrojie Avatar
        justrojie

        lolol too funny

        Reply
  8. Ann Coleman Avatar
    Ann Coleman

    Sudden death of someone who is relatively young is so hard! But yeah, with your mom as the sole beneficiary of your estate, I’d suggest you not make her mad anytime soon……..

    Reply
    1. Michael Williams Avatar
      Michael Williams

      🤣 thats right! perhaps my life would have been more guaranteed had I not taken out the policy lol

      Reply
  9. erroneouschoices Avatar
    erroneouschoices

    I had my closest friend who was in his 20’s die from sudden heart trouble. Absolutely healthy and physically for in all ways noticeable. I understand the surprise you might be feeling. We are guaranteed nothing regarding existence and its longevity. Through these experiences we are able to see how vital being present is though.
    On another note, my natural process for seeing your blog here was through linking to it by your little avatar circle. Now your little circle leads me to the old link. 😂 We can’t win with WordPress can we?
    Although, it did cross my mind that this was orchestrated by you and you’re making me remember your Fridays postings and check for them as they appear… 🤔 If so, well done. Well done

    Reply
    1. Michael Williams Avatar
      Michael Williams

      😀 whatever coincidences that may have occured in how my site displays or relays itself to you is unintended on my end. I may have unintentionally toggled a series of settings that have rendered my site quirk filled and somewhat dysfunctional lol. you are absolutely right, we cannot win with the big WP haha

      in the very least though, we have exercised our ability to be present in seeing the humor of this <3 🙂

      Reply
  10. Edward Ortiz Avatar
    Edward Ortiz

    …and don’t forget long-term care insurance when you turn 60. Long-term care will eat up anyone’s savings in a heartbeat, and funerals are outrageously expensive.

    Reply
    1. Michael Williams Avatar
      Michael Williams

      exactly Edward! i hope they come out with that Tesla robot soon!

      Reply
      1. Edward Ortiz Avatar
        Edward Ortiz

        Well, I’m not sure. Elon’s in some trouble, so the robot may have to wait. 😂

        Reply
  11. Hazel Avatar
    Hazel

    I’m sorry to hear about your friend’s passing, but you end the story with funny meme, so I giggled. I’m sorry, I’m late again, Mike. I’ll get notified from now on.

    Reply
    1. Michael Williams Avatar
      Michael Williams

      🙂 no problem Hazel, I hope you are doing well over there!

      Reply

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