Life Insurance Was a Saving Grace When My Husband Died Suddenly at 37

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  • The tragic death of my husband at the age of 37 left me devastated.
  • We didn’t have wills, but we both had life insurance. These checks were a safety net when I needed it.
  • I used the money from his life insurance to buy myself a house and start rebuilding my life.

My husband and I have only talked about what would happen if one of us died on two occasions. One of those occasions was when we were reviewing and comparing life insurance plans from his employer and mine. Then the conversation was yes one of us died, no When.

It turned out that When It was a sunny day in June 2017.

My husband, Rémi, died suddenly just a few weeks after his 37th birthday, leaving me a completely broken widow at the age of 31.

Rémi and I have always been a great team. We lived an extraordinary life in our short 11 years together, navigating international moves, immigrating to Europe, and supporting each other through multiple career changes.

We were united in our love for planning and making work plans. But we did not have a plan for this, the worst scenario. When he died, there was no will. But there was life insurance.

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2 check life insurance was my safety net

In the foggy nightmare of those first weeks after my husband died, among the never-ending administrative work and paperwork, there were conversations with life insurance providers, both his and mine.

I will always be grateful to our employers for the work they did behind the scenes to ensure they were paid in a timely manner. Within the first month, I received two checks from the insurance company, one for a full year’s worth of my husband’s salary and one for a smaller amount through my own insurance plan, to help cover funeral expenses.

The first check went straight into the savings account we earmarked for a down payment on our first house, which we slowly but steadily contributed to over time. The second paycheck helped me through the first six months as I adjusted my expenses and lifestyle to accommodate my new single income, with our family’s top earner now gone.

To talk only about the logistics of losing my partner – and not about the total destruction I experienced from losing the love of my life – amazingly, it could have been worse. And, it would be worse, if our living situation was what it was even two short years earlier.

In 2013, Rémi and I were forced to leave the beautiful life we ​​had worked so hard to build during the past six years living in Switzerland. Our visas were unceremoniously rejected when we reapplied this year, as we did every year, and we made our lives quickly and painfully, returning home to Canada, broke, in shock, and in unemployment.

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If my husband had died while we were living in Switzerland, I would have been left without a support system, left alone to navigate the complicated health care system in my third language, and likely left a huge legacy. hospital bills to save my life to no avail. effort Any life insurance that might have gone to pay hospital bills, send his body back to Canada, and finance my move. It would be worse.

If Rémi had died just three years earlier, shortly after we returned to Canada, when he was looking for work and getting back on his feet, still working as an independent dance artist, the situation would have been bleak. There would be no life insurance, no fixed income, no financial safety net.

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I used the money to help rebuild my life

I’m not looking for silver linings when I consider the many ways it could have been worse. There are none. The worst has happened. But there is saving grace. Life insurance was one such saving grace.

Over the years, the savings account earmarked for a down payment grew, and in 2020 I put life insurance and our previous savings into buying my first home.

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I have taken small but important steps towards building a new life since my husband died. Leaving the city life behind to buy my first home was more than a small step. I now live in the safety net that my husband’s hard work, determination, and tragic death made possible. I live in the house that was made for us. It’s our home.

I benefited from life insurance when I needed it most. Now, as a small business owner, I no longer have life insurance. I could buy a policy as a self-employed person, but I don’t have any dependents, so it’s not high on my priority list. As I work to rebuild my life from the wreckage of the losses, I hope to have children one day, and I will make buying life insurance a priority when the time comes, so that if the worst happens, at least there will be some savings. grace in the form of a safety net.

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