The Day No One Expected

Last week, a mother kissed her six-year-old son goodbye as he left for school, just like she had done every morning. She had a list of errands to complete and soon merged onto the interstate. This stretch of road has been under construction for nearly a year, with concrete barriers on both sides to protect the workers. For six miles, there’s no shoulder, no safe place to pull over. If a car breaks down, it would be stuck right in the middle of traffic. But she wasn’t worried. She had driven this road many times, and her car had always been reliable. Nothing like that would ever happen to her.

Until it did.

Her car stalled in the middle of the lane. There was nowhere to go. She turned on her hazard lights and waited, hoping someone would come to help. Meanwhile, cars and 18-wheelers were forced to swerve quickly to avoid hitting her. Despite the many signs warning drivers to slow down to 55 mph, most were speeding through the construction zone, barely leaving enough space to stop in time.

Then the unthinkable happened. A fully loaded 18-wheeler, going at least 55 mph, couldn’t stop in time. It slammed into the back of her car while she was sitting inside with devastating force. She did not survive the crash.

This mother never planned for this day. No one plans for a tragic accident. Unfortunately, statistics show that auto accidents are more common than we think. But she also hadn’t planned for what would happen to her son if she didn’t make it home. She didn’t have life insurance. Now, her next of kin is left to pick up the pieces — paying for her funeral, dealing with her personal debts, and figuring out how to support her little boy. The financial burden is immense. There’s no money for his future college or trade school. Instead, the family has had to turn to GoFundMe, asking strangers for help to cover the costs, all while trying to decide who will care for her son as he learns to live without his mother.

This heartbreaking story is real. It happened this month in Idaho. Many of us don’t know when our time will come, but we do have control over how prepared we are. Don’t leave your family’s future to chance or rely on charity websites like GoFundMe. It's crucial to plan for the unexpected. You have the power to make sure your loved ones are financially protected. This tragedy, while unexpected, was not entirely unavoidable. 

As a life insurance broker, I can help you find the right policy to fit your needs. I work with nearly 100 carriers, so I can shop and find you the best coverage at a price you can afford. Whether you're looking for term life insurance, whole life insurance, or a policy that covers specific health issues or gorws to support your children later in life, I can guide you through the options. Even if you have health issues, some options guarantee coverage, no matter your situation.

At SafeHarbor Insurance Agency, LLC, we provide a safe harbor from life's storms for you and your family. Give me a call or visit our website today. Let’s ensure your family is protected, no matter what life throws your way. Remember, the cost of life insurance is an investment in your family's future and your peace of mind. It's a small price to pay for the security it provides.

*The photo is the actual photo provided by a fiend of the driver from Facebook.