Stop The Secrets And Start The Conversations

[AD] We all have a tendency to keep a few secrets from the ones we love – I mean does it really matter if you don’t own up to eating the last piece of cake, or maybe elaborate a little on the price after a shopping trip.

It’s human nature to keep little things to ourselves, but there are some situations that create more harm than good when we bottle them up and can have huge repercussions on us and our family’s lives.

I think now more than ever with the uncertainty and stresses that have come with the COVID-19 pandemic we need to have a real think about sharing everything with the ones we love.

Research by LifeSearch has shown that a huge 7 million of use are keeping mental health problems to ourselves, along with a massive 4 millions hiding physical health problems.

Sadly this isn’t the only problem that people are keeping to themselves. 1 in 10 people have money worries that they feel they can’t share and 1 in 20 are fighting a battle on their own with drink or drug problems.

These problems cause huge issues for the people suffering, adding anxiety and sleep deprivation to the problems that are already there. Also these issues will then have a knock on effect for their loved ones too if something should happen to them.

A fear of being judged, embarrassed or even the worry a relationship may break down are a few of the reasons people keep these things to themselves and incredibly a huge number would rather take these worries to the grave with them, rather than face them head on.

A lot of people, including myself, put off putting things in place to protect our future for so many different reasons, when this is in fact one of the most important conversations to have.

It was my sister that actually got us talking about this a few years ago and gave us the wake up call we needed to get our life insurance in place. So should the worst happen to me or my husband we now know that either one of us will be looked after as well as the children.

Even if you think you are covered and don’t need to let on about an illness you are dealing with, this could actually affect your insurance claim in the future, so this discussions need to be an ongoing thing.

Now really is a good a time as ever to open up these discussions, be honest with yourself and your loved ones and to get things in place that will give you peace of mind for the future and take the burden of your shoulders now.

Learning to open up and talking about feelings is something I try my hardest to instil into my children too, in the hopes that we can build a future generation that are comfortable talking about issues this generation seem to find so hard.

Protecting Your Family With Life Search

[AD] There are a whole host of things to consider when we think about starting a family and to be honest it can be a bit of a daunting prospect.

Are we at the right stage in our life to bring a little one into the world? Is our relationship strong enough to deal with the responsibility? Have we got a good support network in place to help us out? Are we in a good financial position?

But it is this last question that I want to talk about today as most people take into consideration the financial position they are currently in, but don’t think more long term or consider what would happen if you or your partner were no longer around.

This is where life insurance is something we should all consider, no matter how old we are as sadly no one knows what could be round the corner and if you have the security of life insurance then this allows you to have a safety next if the worse should happen; and peace of mind that your loved ones will be looked after financially.

So what is life cover? – to round it up it is a payment made to your loved ones if something should happen to you. This is usually made as a one off payment, but some companies such as Life Search offer a family income benefit policy which in my opinion is a much better way of receiving payment.

Family Income Benefit is a bit different to other life insurance products in that it doesn’t pay out a lump sum to your loved ones should you pass away, but instead provides the beneficiaries with regular, tax-free income – either monthly or quarterly, to help cover household and living costs when the main earner isn’t around anymore.

When you take out a Family Income Benefit policy, you choose how long you want your term to last. For young families, this could be until the children are financially independent and would no longer need the income payments.

Loosing a loved one if one of the hardest things anyone could go through, so making the financial side of things easier gives you one less thing to worry about.

Is this the kind of policy you would consider?