Tuesday, August 21, 2012

Wrestling with Life

The Warrior Family
By Kevin Hunsperger
@kevinhunsperger & @my123cents on Twitter

This post isn't really going to be wrestling related, but the video I've attached is.  It's a tongue and cheek way of looking at a very serious issue.  My friend Jeff Rose is a certified financial planner and a blogging guru.  He is the one who encouraged me to start a wrestling blog nearly two years ago, the rest as they say is history.

Anyway, Jeff's blog Good Financial Cents is very informative.  It's filled with great information and done in a fun way.  He also has a YouTube channel (two actually) and offers tips on blogging, vlogging, and money matters.  Jeff is starting a movement on his blog to get people talking about life insurance.  He's even offering cool prizes in the process.  Since September is Life Insurance Awareness Month, so it only makes sense to get this important message out now.  Like I said, I used wrestling to have some fun getting the message out, but I figured I'd write about the more serious reasons my wife and I have it.



I have had life insurance coverage through my job as a journalist, but honestly it's not a whole lot, probably not even enough to provide for my family for more than a year.  It was something I never really thought much about though.  My wife was running a daycare from our home, so she had no life insurance at all. Again, it never struck me that if something happened to her, I'd be up a creek without a paddle or the money to buy one.  We have three young kids and I work an odd shift, so I would have to have childcare in place for those weird hours and probably pay big bucks for it.

In 2007 my wife and I discussed the possibility of her becoming a surrogate for a couple who wanted to have a child.  Along with all the medical testing that was involved for both of us, we were also required to have a will (something until then we didn't have) and life insurance.  We explored our options and found a plan that really works for us.  If something had happened to my wife during the pregnancy or delivery, it gave her peace of mind knowing we'd all be taken care of.

The Hunspergers
By no means am I putting my life on the line at work, but you ever know when something might happen.  Knowing now that my wife and kids will have more than just the small amount I had with my job, puts my mind at ease.  They will be able to continue living in our home.  The kids will be able to keep doing their extra activities like baseball, golf, dance, scouts, and band.  They will also be able to go to college and not have to struggle, at least not too much.

Since my wife and I both have coverage it also means that if something happens to us at the same time, our kids and their caregivers will be financially stable too.  We both find this rewarding because we know it's not easy raising three additional children, especially in this economy.  Simply put, having life insurance is one less burden to think about in life and we are able to sleep a little better at night.

I've heard some people say they're afraid to even talk about the issue.  Get past those fears and think about the big picture.  Odds are you're going to be around a long time, so enjoy life a bit more without having to worry about leaving your loved ones in a financial lurch.  As I said in the video, you don't have to be the Million Dollar Man to afford it.


2 comments:

  1. One of the best videos ive seen yet about the LIfe Insurance Movement....you gave Mr. Rose a run for his money as Usher! :)

    Bobby Diehl

    ReplyDelete
  2. I LOVED your video Kevin! Totally cracking me up! Good stuff!

    ReplyDelete