When the Value Placed on Your Life is $0

A confluence of events over the past few months has lead to the Husband and I reassessing our insurance needs lately; policies came up for renewal, the Husband turned 40, we realized our life is a bit different than it was 10 years ago when we first took out insurance policies . . .

Specifically a life insurance policy that I had taken out for myself pre marriage was due to expire.  Given my role as a stay-at-home mom, the fact that I haven’t worked in close to 7 years, and the fact that the kids are pretty much in full-day school, I wasn’t sure that I needed a life insurance policy anymore.  But, as I tend to be rather risk-averse, I took the pragmatic approach, and asked our financial advisor and our insurance broker for some quotes.  All was fine and dandy until I reminded them of the small health issue I encountered a few years back that might make getting new insurance difficult. . . that pesky little brain tumour.

And that pretty much ended the discussions right there.  While I could renew the policy I already have . . . according to the insurance companies, my life, for all  intents and purposes, is essentially worthless.

While you could take this post as a warning to make sure that you have proper insurance in place before anything happens . . . I prefer to look at it as a bit of black humour.  I’m fairly certain that the kids and the Husband (at least most of the time) wouldn’t call my life worthless. And I’m also fairly certain that I’m healthier and stronger now than I was all those years ago when I first took out a life insurance policy.  And that, I believe is true irony.

On that note, I’m going to get my worthless self back into the kitchen to whip up more of those amazing chocolate cookies for the kids for their after-school treat.  Really . . . you HAVE to try making these cookies.  They are THAT good!!!

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