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A Close Call on the Freeway

I sell life insurance all day, every day, to other folks who need to protect their families with income replacement coverage, but rarely think much about the life insurance policies I have in place.  Today, I did.  Today, I had my first “close call” as a father while driving on the freeway.  I got stuck behind a 1-800-GOT-JUNK truck that was leaking rain water from its bed all over the road.  When what seemed like a gallon of water splashed up onto my windshield, I was momentarily blinded.  I was driving 65 mph and for a moment, was scared for my life.

Memories of Sean’s accident came back to me.  Sean was my friend and yoga instructor who, three years ago, at age 32, died in a tragic car accident.  In my case, a quick passing of the windshield wiper blades and change of lanes got me out of trouble, but it left me thinking, “What if…?”  I thanked God for my safety, and for allowing me to go home to my beautiful wife and children again.

This close call reminded me of all the planning my wife and I have done for the “What ifs” in life.  What if I hadn’t found my wipers so quickly that day?  What if the unthinkable had happened?  Would my wife and two baby girls be taken care of?  As an estate planner, I can answer that question with a confident “yes”.  In the event of my passing, my wife could take the life insurance proceeds and replace my income completely for 5 years.  There would also be enough to replace half of my income for an additional 15 years.  This way, she can stay home with our little ones until they are both in kindergarten.  Then she can work once they go back to school, and would be able to get by with her income and half of mine.  I feel so proud knowing that my most cherished assets are safe.

Consider the following scenario:  I die without our estate plan.  My wife is left to pay our mortgage and other bills.  She can’t.  She has to sell the house.  She certainly has to work, and that means putting our children in day care full-time, which we would prefer not to do.  Life would be extremely difficult for my family without our estate plan.  I don’t want this to happen to you, or anyone I know!

I want to be sure that you can answer “yes” to that question, “Will my family be taken care of?” too.  Because this is so important to me, I’d like to offer to sit down with you for 30 minutes and run through my Estate Fitness Check-up.  This is a free consultation in which I evaluate your family’s financial fitness and make recommendations for improvement.

Today is the day to take action.  We’ve all had close calls and heard of stories like Sean’s.  It’s true that you just never know what could happen today.  That’s why we have to plan now!  If you want your family to be provided for no matter what life throws you way, then call me immediately to discuss your estate plan, and how life insurance may be included in it.

*Written by Chris Huntley. Huntley Wealth Insurance and its representatives do not give legal or tax advice. Please consult your own legal or tax adviser.
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Chris Huntley
Chris Huntley is the owner of Huntley Wealth Insurance, a San Diego life insurance agency. You can find him on Google + and Facebook. Over the past 8 years, Chris has consulted with over 2000 individuals about their insurance needs. He is a proud husband and father to three adorable girls.
Chris Huntley
Chris Huntley

A close call on the freeway led me to a review of my life insurance and estate plan.


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{ 1 comment… add one }

  • Long Term Care Insurance Alabama December 2, 2010, 11:34 pm

    Thanks for sharing your story; incidents like a close call do have a tendency to put things in perspective. Insurance is a good way of preparing yourself for any future events, and that’s what makes it a good investment.

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