You’ve probably heard this John Lennon quote before. But have you ever noticed how true it really is? You could have your ideal milestones all mapped out, from your first career steps to the age you think you’ll be ready to get married and have kids, right through to when you’d like to retire. But these things rarely happen exactly when we want them to. What I’m saying is that it’s good to have dreams and plans, but you also need to be prepared for the unexpected.
I came across a tragic story the other day which is the perfect example of thinking your life was progressing to plan, only to see it go completely off course.
Joel and his wife Anita are in their early thirties. They’re young and healthy and have no dependants yet, so they don’t see the need for any form of life insurance. They did suffer a miscarriage last year, which was devastating, but they kept trying and have just found out they are pregnant again and everything looks good. So, Joel and Anita are probably busy doing what most expectant parents do: decorating the nursery, stockpiling items they’ll need like a pram, car seat, clothes, etc, and planning how they’ll announce their baby’s birth on social media.
But just one month after receiving their happy news, Joel suffers a five-minute long seizure at work. He is taken to hospital where a golf ball-sized tumour is discovered in his brain. The only way to know what grade of cancer Joel has is to remove it in a major operation. As well as preparing for this significant surgery, Joel must be supervised 24 hours a day in case he suffers another seizure.
Both Joel and Anita are now off work. The money they were hoping to spend on their new baby has been redirected to pay for Joel’s medical bills. To raise the $130,000 for Joel’s life-saving surgery, the couple has shared their terrible story on GoFundMe.
It breaks my heart that this family is having to deal with this trauma by relying on the kindness of others. They should be concentrating on keeping Joel stable while he awaits surgery and continuing on with their baby preparations, not worrying about how they’ll manage financially. It’s stories like this one that are why I started my advice firm, so I could help more people get the insurance cover they need, before they’re even thinking that they’ll need it. Because life really is what happens when you’re busy making other plans.