Wednesday, August 21, 2013

Failure to plan could be disasterous

Given the morbid topic of death, it not uncommon that many people die without having any estate plan in place. Death is certain. Death does not wait. It will happen. The only question is when. And no one has a definitive answer.

Yet, many people consciously refuse to speak seriously about the subject of their own mortality.  Death is just as natural as birth. Death is part of life. It is the last chapter. Science has advanced to prolong life but it has not evolved in advancement to prevent death. Since death is an event that will happen, one of the wisest decisions to make is to have a financial plan in place to cover death related expenses, left over medical expenses and help your family maintain a healthy financial status. 
People avoid conversations about death based on fear. Fear of leaving life as he/she knows it.  They put off talking about death until another day. Another day goes by, another month goes by and another year goes by and that same people who said they would talk about tomorrow still has does not have a plan in place. Keep in mind, tomorrow will be here but maybe your tomorrow will be too late.
Accidents and cardiovascular events can occur anytime and are the #1 killer of Americans.
You are the healthiest and youngest you are today. This is the time to get covered. Insurance premiums are based upon and health and age. Once you start a plan, your monthly premiums are guaranteed to remain the same for the rest of your life. Financially speaking, it makes good penny wise sense to start a policy today. Without a financial plan in place, the people you are hurting are yourself and those left behind. Simple, but painfully true. 
The reasons to pre-plan are many and reasonable. Be pro-active and give peace of mind to yourself and family. Pre-planning takes all the dizzying questions away. Ensure your final wishes are carried out. You can remove the burden from family simple by having a final expense plan in place. 

The planning process is easy and takes 30 minutes of your time. As a comparison, it takes you more time to grocery shop. You walk to your car, drive the grocery store, find a place to park, walk up to the doors, get a cart, proceed up and down the isles passing other shoppers along the way, search for your items, walk to the cashier, wait in line, unload your cart, place your items on the belt, have her scan each one, pay, place in bag, walk to your car, unload and push the shopping cart to the cart return, walk back to your car, put the key in the ignition then navigate your way through traffic in hopes you get home safely. Park and make frequent trips to and from the car and finally put your groceries away. WEW! Then do it all over again in a week or two.

Estate planning is simple and done in one easy step. Be pro-active and enroll while your the youngest and healthiest today.

Good health,
Trisha M. Pacenti RN,BSN