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Home › Articles › Life Insurance › An Emotional Purchase

An Emotional Purchase

Dads Getting Peace of Mind Through Life Insurance

By Mark Stackpole

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Few things in life are more daunting than facing our own mortality. There are the simple, unavoidable signs of aging: graying hair, an aching back or throbbing knee, a few more medications or medical checkups. Then, there are the more dramatic confrontations, like a car accident or a serious illness. As stressful as these encounters may be, a parent needs to keep a clear head when dealing with health issues, big or small. At some point, emotions must be kept in check as families determine how to handle a major "life after death" issue: life insurance.

Despite a wife and five children, John Richards admits that he never gave his life insurance policy much thought until relatively recently. A truck driver and farm owner from Gaylesville, Ala., Richards leads a very active lifestyle. A few weeks ago, Richards was riding 60 miles per hour on his four-wheel ATV when he hit a pothole and flipped over several times. After the fifth flip, the ATV landed on top of him. The result? A crushed collarbone, broken shoulder, three cracked ribs and a badly broken right arm.

"I thought that death was for old people, not for people in their 20s, which we were when we bought the policy," says Richards. "With my accident, I realized that I very easily might not have lived. I realized that I am not Superman."

In addition to facing his injuries, Richards also took a look at the more practical issues that would face his family should anything more serious happen to him. "There are many things to do on the farm that someone would have to pay for: taking care of our 7-acre lawn, feeding the animals, cutting the hay," he says. "A 36-acre farm needs constant work. After seeing the high medical bills for broken bones, I have realized that we need even more life insurance."


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