Wills and Life Insurance

Dear Ladies

One thing no one enjoys thinking about is the sudden death of a love one. However it is something we needed to think and prepare for. If you have not written a will or gotten a life insurance policy, don't wait.

The most important reason to write a will is to provide guardians for your children. A verbal agreement with friends will probably not stand up in court and your children could become wards of the state or end up with a relative that isn't your first choice.

A large life insurance while your children are still young and living at home is very important. the policy will give you the income you need to remain a stay at home mom. In our case we took out a policy that would give me enough to live on until our youngest was in college. At a minimum you would will probably need over a million dollar policy to be able to continue to live as you are accustom. We also took our a policy for me, because we feel strongly about homeschooling our children we wanted Eric to be able to stay home and continue homeschooling.

This isn't any one's favorite topic to talk about, but it is a very real part of life. The hardest part is deciding who you would want to be your children's guardian, but don't let that keep you from writing a will. You can always change that part of your will at a later date.

Until next time, may the Lord bless you with all the wisdom, love and patience you need to mother your children.

Blessings to all of you,
Melissa
ps. We are working on a website entitled "a mom like you" We are in need of links, recipes and any thing of interest to young moms. If you have any suggestions we would love to hear from you.