Monday, November 23, 2015

And Then Everything Changed #BeCovered

The first couple of weeks of Boo's life were a blur. I guess that's not so unusual, and I'm actually not quite sure when I really felt on top of things again. But those first two weeks his bassinet and crib remained empty as he stayed in the Neo-natal Intensive Care Unit. It was scary, and exhausting, and chaotic. But we had a big team of nurses and doctors looking after both of us. I was never alone with him, and never actually fully responsible for him.

Finally bringing him home on day 15 was a shocker. I felt like a little kid. I wanted someone to tell me what to do, like the nurses had been doing. I wanted someone's approval. But there was no one to give it. Not even my own mom. who was far away in Newfoundland. It finally and fully hit me that day, when we placed him in his own crib for the first time. This was reality. I was a Mom. I was responsible for this little life - completely and fully responsible. Talk about terrifying.

It actually took me two days to get it together enough to even take a picture of him. He's 17 days old here.
And refusing to nap.
Initially that feeling of responsibility centred entirely on keeping him fed and clean. He was so tiny at birth, and his blood sugar was so low; we were feeding every 2 hours for quite a while. I fretted and worried and kept immaculate records of when he nursed, for how long, how many diapers he wet and soiled. I was focused on the responsibility of just keeping him alive.

Eventually I accepted his pediatrician's word that he was actually just fine and perfectly healthy. And once I calmed down a bit, I started to think about the future. How the heck much was his education going to cost in 18 years? What would happen if something horrible happened to me or his dad? Or both of us?! Who would look after him? How much money would he need?

It was scary, to be honest. But he was depending on us. So we put a series of things into place, including his RESP and a savings account, and life insurance. Boo actually has his own life insurance policy. His is a whole life policy that he can cash out to help pay for his education if he wants when the time comes. Or he can take it over at maturity without a medical exam. His dad and I assessed our existing policies and beefed them up. We don't want to leave him (or my step-son) hurting financially in a tragedy.

What about you? Do you know what would happen to your loved ones if something terrible happened to you? I get it. It's a morbid and scary thought, but we need to understand our responsibilities and take precautions. 
Momma's boy. The reason behind most of my decisions.
Life insurance is insurance that steps in when you no longer can, and provides for the life of your family. Manulife's CoverMe Term Life Insurance gives you up to $250,000 in instant coverage - with no medical exam - just by completing a simple health questionnaire online. In the event of your death, your loved ones would receive that money to help pay for their ongoing expenses (like a mortgage, child care or education fund). The questionnaire took me about 3 minutes to complete, and is simply a series of yes/no questions. Easy-Peasy.  Click through the link above and check it out for yourself!

The premiums on this plan are guaranteed for 10 years, and your coverage is guaranteed until age 85 regardless of any changes in your health. I like that peace of mind. And if you are wondering whether you have enough coverage currently, be sure to try the calculator on the Manulife site.

Let's Chat

I hope you will join us on Twitter, Wednesday night, November 25, at 9pm EST. We will be discussing life insurance and the life changing moments that brought us to the point of needing it.

There's no RSVP required - just join us on Twitter and be sure to use the hashtag #BeCovered. And bring your questions for @Manulife! Tweet you there!

Disclosure: This post is sponsored by 360ACCESS on behalf of Manulife. The opinions on this blog, as always, remain my own.

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