I remember the last few years my Mom would try and talk with my Dad about what he would like to happen in the event that she died first. Due to several strokes, my Dad required daily care and help with basic things such as showering and getting dressed. Even on days Mom had to work, she would make sure that his lunch was made before she left so all he had to do was grab his plate and eat. Leaving overnight would never be an option for her.
He refused to have the conversation. I’m not sure if he just couldn’t deal with ever thinking about losing her or if it was more a matter of not wanting to even think about who would help take care of him.
I always said that he would come live here with us. It was never a matter of if he wanted to. We all knew he would need the care and out of all of my siblings I was the one who a stay at home parent so I could easily make sure all his needs were met. Of course we never had that actual conversation as the thought of having to be the one to help my Dad shower and dress wasn’t something either of us ever wanted to think of, let alone discuss.
Thankfully the one conversation he would have was about funeral insurance. About a year before he died, he and my mom changed companies for insurance and took out a larger amount of coverage. I cannot tell you how much easier it is to plan a funeral when you don’t have to worry about how it is going to be paid. When dealing with the loss of a parent or anyone close to you, the last thing in the world you want to think about is how you are going to pay for it. And I am so grateful that the one conversation he would have with my mom was one that ensured his funeral expenses would be covered.
Now that both my husband and I have lost our dads we are talking more and more about funeral insurance and we agree that it is something we need. I have been looking at Apia funeral insurance when we figured out that the average funeral can cost anywhere from $8,000 to $10,000.
I don’t know many people that have that kind of money sitting around, and I really thought about what kind of financial strain it would place on my family if they had to fork out such a large sum all of a sudden.
I know this is a more serious topic, but what are everyone’s thoughts on insurance and whether it is worth it or not?