My dad's life insurance was my security blanket when he died - Business Insider

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'When he died two years after his diagnosis, his life insurance meant my family didn't have to stress financially while we were grieving'

Suddenly, my life was about more than just me. How was I going to provide for a baby if my husband, our primary breadwinner, died? How would he manage to afford childcare without my income, in the event that something happened to me?

At night, I contemplated what would happen if one of us died, cataloging unlikely scenarios, falling prey to the worst impulses of predicting tragedy. We are healthy parents. But so was my dad. Didn't we need a safety net? But, even though I don't necessarily know where I'll be in 10 years, or what our lives will look like, I know that my children will be protected, even if I'm not around.

It may seem macabre to contemplate how my children's lives will go on without their parents. We all want the best for our kids, and imagining worst-case scenarios feels, at times, like a spiral into needless fear.

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