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That’s the Scout motto.

So simple and yet really sage advice.

When I was selling insurance, I regularly told people that they should be prepared and that insurance was a part of the solution. At the time, I was selling from the heart with the belief that “stuff” can happen. It was difficult to be able to explain why. I would suggest that although we never expect to outlive our children, you should pay the $2/month just in case. I explained that you should consider critical illness insurance because with diseases like cancer in the world today “you never know”. I explained that it is certain that we will eventually need long term care and we really don’t want to burden our children with those expenses.

In my wife’s business, we advise that for the cost of the legal plan, it could be very usefull to have questions answered if you should end up becoming a trustee or executor or even just dealing with things like your cell phone bill.

Then my life happened. In a period of four months, my mother had a fall (she recovered, had a heart attack and died), my dad had a stroke and my son died. We argue the cell bill every month!

There were many unexpected expenses and I ended up as a joint trustee and then executor for both my mother and my son. There is a good chance that dad will require long term care.

I thought this stuff only happened in movies.

Now I can really say “Be Prepared” and mean it from the bottom of my heart.

Talk to your insurance advisor today. It may be the most valuable use of your time and resources even if it means facing your mortality square on. The process could even save your life in the process. It wouldn’t be first time that an underlying condition was exposed that would otherwise go unaddressed.

Live life to the fullest because you never know when your time is done. Make sure you enjoy every moment, even the challenging ones because those are the ones you learn from the most!


What am I thankful for today? I’m thankful for wonderful brothers and a sister. I’m thankful for gas in the car. I’m thankful for the God in my life!

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