Insurance

Before Adam and I got married we had an interview with our Stake President(sorry, I don't remember his name) from our USU stake. He gave us 2 items of advice before we left the meeting. The first was to love Heavenly Father and make Him and His way the top priority in our life and marriage-things cannot end up on the wrong path if we are following Heavenly Fathers plan for us. The second was to make sure we had insurance-never gamble with putting your family in a situation that might put your family in so much debt, it would potentially damage and definitley strain, the families future ability to live a more fulfilled life, or have to think to consider money before more important things. Life is already fragile.

To this day, I don't know if that was inspiration to tell us that, or if it was just his advice that he told to everybody, but we committed to make sure we always have insurance. And it has been pretty dang expensive sometimes, especially when you don't have an employer with benefits. Before this year, I was figuring that by following his advice it was pretty much, more or less, a guarantee that nothing will happen. Isn't that how it goes? If we didn't have insurance, something would happen?

This year, things all changed. We were in an accident with our car and if we had no insurance, we'd be out alot of money and a car. Then we had a baby and he needed heart surgery and was in the Intensive Care Unit for a week. We would be in ALOT of debt right now, and working for a very long time to get out of debt, if we didn't have insurance to pick up most of that bill.

Ya know, now that I have used it, I'd definitely rather not have to use insurance and pay all those premiums that seem paid for nothing at the time, except for the small chance something might happen. But now all the money I've paid over the years to insurers will not even come close to compensate what they've paid for us this last month. So, even though they are sometimes a pain to deal with, the importance of being insured has been made aware to us. I am so so grateful for that advice, and the resolution we made when we were engaged to follow it.