Life Insurance, Yay or Nay?

How do you feel about life insurance, pro or con?

The answer to one question may be all you need for day 21 of the #PNIWritingChallenge topic.

Do you trust your spouse/beneficiary?

I’m a fan of life insurance, I suppose, though I’ve not sat down and given the topic my full consideration.

life

When my generation of family was being born – and by this I mean my siblings and cousins – my bad ass/kick ass grandmother bought the Gerber Life Insurance Plan for all of us. Then, if something happened, our parents would have some help, however small the amount would have been.

My grandmother has paid on this weekly for over 40 years now. I’m not sure how I feel about the insurance, but I do know that I love my grandmother, and this is one of the sweetest things I’ve ever heard.

I’ve had several jobs that offered life insurance and that was always an “eh” benefit for me. It was a pain in the ass to figure out which family member would get everything if I died unexpectedly, and I was constantly asking people for their Social Security Number, which always comes off as suspicious.

Besides, I’m immortal.

My Companion is in a highly skilled professional field, the kind where they offer amazing benefits to encourage people to work for certain companies. Our health insurance is a little pricey as we don’t qualify for subsidies (highly skilled equals highly paid), but the cheapness of the pet insurance outweighs it.

Yeah, you heard me, our pets have their own health insurance. This is what happens when one doesn’t have children but does have disposable income – probably from not having children.

Each of the three companies that he’s worked with since I have known him, have offered life insurance, generally doubled or tripled if he dies in an accident, doubled again if said accident is work related.

One of the more depressing days of My Companion’s recent life was when he realized he was worth more dead than alive, even without whatever accident being work related. His dad had mentioned that feeling when he was a kid and My Companion didn’t understand it then. Now he does, and it’s not a fun realization.

When we talk about it, because we’re adults and we have to and that sucks, he tells me that I’m going to be taken care of if something happens to him. I really hate these conversations.

I don’t care about a quarter of a million dollars (or more) if I don’t have My Companion around to help me blow half of it on stuff like houses and investing the rest. I don’t want to consider life without My Companion in it, much less know that if he dies, I profit. I mean, what the eff?

We joke, on certain days, that I spend enough time thinking about murder and mayhem that I could off him if I wanted, and no one would be the wiser.

This is why my first question when it comes to life insurance is whether or not one trusts their beneficiary.

We’ve talked about needing to work on our wills. Thank you, #PNIWritingChallenge, for reminding me of yet another adult task I have no desire to consider. Ugh. Bleh. Meh.

 

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