Don't Wait....

I received a call yesterday that my uncle, who is a truck driver, was in the ER of a hospital in MA. He has been admitted and is doing ok now. He has pneumonia and will be in the hospital for several days.

Also, my father has had two heart attacks in the last two and a half years.

These two illness's bring to mind for me, health and life insurance. My uncle does not have either of these insurances as he is self employed and with rising costs of fuel effecting his business he has continued to put the insurance options on the back burner. Now, once again he has landed himself in the hospital with no health insurance. We all know how devastating this will be financially.

My dad has both health and life insurance. However, after having the first heart attack and this even prompting him to check out his life insurance coverage, he found out he did not have near the dollar amount of coverage that he believed he had. Increasing the value of the life insurance policy now is next to impossible and if he were to it would be very expensive.

Each year many employer's offer open enrollment of health and life insurance. Many employers do not offer face to face time each year with the insurance rep's. Thankfully, mine does. Please take the time to check out exactly what insurance options you have in place and put some thought into what your family would need. After my dad's first heart attack I took out a heart attack, stroke, cancer policy in addition to other life insurance, etc. It is very inexpensive but if I every need it my family and I will be taken care of.

Please take time to review your coverage or take out coverage if you do not have it. Don't wait until it is to late and you are devastated or your family is devastated....