Although you can’t see the future, plan for it anyway

Tamera and her dadThe year was 2006. In early spring, my brother Isaiah and I had taken off to Mexico with the Azusa Pacific University "Team Luke" outreach program. Our goal while we were there was to set up mobile clinics to offer basic medical care.

After crossing the border back into California, we received a phone call from my sister informing us our dad had been diagnosed with colon cancer. The loud engine of the old Ford pickup we were driving went silent as we both sat lost in thought of the possibility that this could actually be true. How could the "Superman" in our lives possibly be susceptible to this disease? Needless to say, it was a long trip back.

Flying home the next day, we realized it was not only true but also a lot worse than we all thought. My dad was in stage four of the cancer with no hope for reversal. His options were undergo chemotherapy and live 18 months, or do nothing and live 12 months. Because he only had a short time left and because he didn’t want my 9-year old sister to see him suffer, he opted to not do chemo.

There are a few things in life a 22-year-old child should never have to do and one of those is help your mom pick out your father’s casket when he is days away from death.

Unfortunately, that was my fate. But I remember heading to the funeral home with no worry about the cost of Dad’s funeral because I knew he had life insurance. I only had to think about picking something that I knew he would love but never see.

Dad’s funeral was beautiful for a funeral. My sister sang, my brother read the eulogy and I spoke about how this Assembly of God minister was now rejoicing with his Father in heaven. How we all conjured up the strength to do these things I’ll never know. Dad was escorted to the cemetery by a line of motorcycles (one of his many ministries).

I’m telling this story to let you know that not once did my family have to worry about where the money to take care of the funeral, headstone, mortuary, cards and other expenses was going to come from. The last thing you want to worry about on such a tragic day is where you are going to find the money to take care of everything and to take care of yourself after all is said and done, while the pain of the loss is still so fresh. But Dad left us with the comfort of knowing it was all taken care of through his life insurance.

Death is not something anyone wants to think about, but we all need to. My father not only set my mom up to be financially prepared for a few years, he also instilled in his children the knowledge that we also need to plan for the future with life insurance. The beautiful thing about this story is that it is now 2013 and my mom still has life insurance money to help her. My dad showed his love to her even in death.

Life insurance is so important for everyone – young or old. How much more can you let someone know you love them by insuring their financial future? Our family has seen the full benefit of life insurance, and I hope by reading my story, many more people may be able to reap the benefits as well.

Editor’s note: Need more information about life insurance? Check out our 10 reasons to buy life insurance. Or give our Life Needs Calculator a try for help estimating the right amount of coverage to ensure your dependents are financially stable.

by Tamera Sevilla on Fri, Apr 19 2013 7:20 am
Posted by Tamera Sevilla on Fri, Apr 19 2013 7:20 amTamera Sevilla is an agent assistant for American Family Insurance