If You’re a Parent, this is One Uncomfortable Conversation You NEED to Have…

May 28, 2014 by Sion John

man-and-woman-talking-about-parentingHave you noticed that when you’re a parent there’s ALWAYS something to talk about with your partner, husband or friends?

Whether you’re “discussing” parenting techniques, handling the “terrible twos”, tackling school day dilemmas, crying over homework headaches, getting frustrated at fussy eaters, or crying over a dating traumas, there’s just NO escape!

In fact, as a mum there are precious few conversations that DON’T involve the kids! When you’re a mum, your children are your focal point – that’s just the way it is.

And don’t get me started on the conversations WITH your kids!

In addition to the constant barrage of “why, why, why…” some conversations are just plain awkward – especially when they involve the “birds and the bees”.

But what do you do when the topic is taboo?

Whilst some topics are a little cringe worthy (how do you and your partner decide to explain puberty to an inquisitive seven-year-old?), there are other conversations that are just plain uncomfortable.

Talking about death is one of those…

And I’m not alone. For example, I was reading an article in the Telegraph online recently that was discussing why talking about death is so uncomfortable?

Because let’s be honest, it just is – and more so when you have kids.

One of the joys of being a parent is looking into the future and imagining all the milestones and events you’ll celebrate and enjoy. I’ve got three children. My baby has just started to crawl and I’m excited to see him walk and talk and grow into his developing personality. My three-year-old is getting excited about starting school, and my seven-year-old is becoming more inquisitive and intelligent every day.

These magical moments in a child’s development are just so precious. You know you can’t turn back the clock. But you can ensure you make the most of time and create magical memories to look back on as you get older (and your children grow away).

This is magical stuff that as a mum you don’t want to miss.

But the hard truth is that no one knows what’s around the corner…

Looking out for your kids

As a mum, you want to be there for your children – ALWAYS and in every situation.

So if the worst did happen, wouldn’t you want to ensure your children’s financial future was secure?

Now I’m sure talking about life insurance with your partner isn’t top of your list of priorities. After all, it’s something you hope you NEVER need. But just like it’s wise to insure your home against burglary, it’s well worth ensuring your life against situations that are totally out of your control.

As a result, regardless of how uncomfortable it may feel, this is one conversation you NEED to have

Life insurance offers peace of mind in the worst possible circumstances

The good news is that it’s really very easy to arrange life cover. What’s more, depending on your lifestyle and medical history, the cost of insurance is often pretty low – especially when you consider the huge amount of peace of mind you receive as a result.

For example, many mums take out insurance to cover their mortgage. By making that decision, they know that in the event of their death, their children’s home is safe and secure. But you don’t need to be limited to that. Other mums like to be insured for a larger sum so they can ensure money will be available to cover a much broader range of things they want for their children.

And whilst money will in no way compensate for loss, at least it eases some of the financial pressures that could creep in as a result.

Have you had that conversation?

When you’re young, end of life seems a long way off (or at least you hope it is). Therefore, getting life insurance doesn’t feel like a pressing need. Instead, it’s something you plan to talk over with your other half later.

But why wait?

There’s always the risk that if you do it will be too late. But more than that, until you get your cover sorted, the lack of it will be there at the back of your mind. So if this is a conversation you’d rather not have, just bite the bullet and get it sorted – you’ll be glad you did.

What do you think?

How did you feel when you got your life insurance sorted? What was stopping you getting cover in place? I’d love to know your thoughts so please leave your comments below… then go and have some fun with your little ones.

Share this post:

Leave a Reply

Your email address will not be published. Required fields are marked *