Over the holiday break, I got to spend two delightful weeks with my family and my partner’s family. It was truly wonderful to catch up, relax, and spend quality time together.
But it wasn’t all about relaxing. Ryan and I knew that we had to have some difficult conversations during our holiday visit.
Just a few months before, his dad had a health scare that put us in a panicked frenzy. At first he was fainting and in the hospital — we had so little information, and being a few states away, we assumed the worst.
Questions ran through our head. Should we go down there? When do we go down there? It was a stressful situation not having all the information upfront. For all we knew it could have been nothing, or it could have been very serious. It was the first time in my life that I realized how difficult it is living away from your parents. Even if we did hop on the next flight, nothing is promised to us.
Luckily, everything turned out alright. It was a pretty severe ulcer that kept him out of work for weeks.
Of course we were scared about his dad’s health — but to be honest, we were more scared for his mom. His mom relies on his dad 100% financially and has chosen a life as a homemaker — a relic of her old world in Romania. It’s all she knows. While she is an amazing cook and a wonderful homemaker, in her own words, she “doesn’t know how to pay a bill.”
Imagine our fright when we weren’t sure about his dad’s situation. We would have to go digging for his financial information, his insurance info, and more. We’d have to help her set-up everything and teach her how to pay bills, etc. It was a daunting thought.
We got off lucky this time, but we knew we had to have a difficult conversation during the holidays. We realized we knew nothing. Were they in debt? Did they have life insurance? Do they have plans in place when something happens? We were ill-equipped with answers and had only questions.
During the break, Ryan had a one-on-one with his dad. They started to talk about the future and current state of affairs. Thank goodness he did have a life insurance policy!
This situation was a pretty big wake up call for us. Both Ryan and I have one parent that relies 100% on the other financially. That tough reality is exacerbated by the fact that we are both only children and have no one else to call or rely on — we are our parents’ help, and we don’t have many resources either.
I’m so glad that we were able to have this important talk with our parents. More importantly, I’m glad that our parents have life insurance, to provide for their partners, if something happens.
I urge you to have a talk with your parents. Get a life insurance policy and prepare in advance. No one wants to deal with financial stuff in the face of emergency — so prepare now!
If you’re looking for an easy way to get started, check out Quotacy, a one-of-a-kind life insurance brokerage. Their website is super user-friendly and it takes only a matter of minutes to get a quote. Best part is that you don’t even have to put your contact info in to get a quote, so you won’t get spammed 🙂 What surprised me the most is just how affordable life insurance is, given how much it covers.
Have you ever been in a situation like this? Do you have any other advice to add?
This post was created in partnership with Quotacy