The Decision To Go

A friend of mine recently left for a Peace Corps assignment. Two years in Thailand. Not the tourist sector or the flashy areas you see in magazines but very rural areas that you may have never heard of or that ever get much attention. Her journey to finding the Peace Corps and ultimately the decision to go wasn’t easy. She went back and forth and more than once was tempted to say “No, it sounds good but not for me”. Ultimately after one delay and many long stretches of talking with her family and friends she made the decision to go. Listening to her talk about it made me stop to think of the decisions in life that we make. How we come to crossroads, opportunities or big decisions and have to decide left or right, to go or to stay.

There are plenty of times in our lives that we sit down with our trusty pen and paper, or notebook app what have you, to make the list of Pros and Cons that we ultimately hope will clearly spell out what we should do. But what happens when you’re in a dead heat? When the reasons to go equal the number of reasons to stay? When it means leaving familiar surroundings or being uncomfortable? When you aren’t really sure and the idea of just deciding is pretty daunting. If you’re my friend you take the leap of faith and hope that it works out. But many people (myself included at times) find this, making the decision, hard to do. This month we talked about goal setting and resolution keeping, about ways we can branch out and make changes. But change is difficult. It can be messy and complicated and downright scary. The decision to leave a job you’ve been at for a while or to take on a new challenge. To talk with our doctor about a possible prognosis or make changes to our lifestyle. All the changes, they start with a decision.Challenge-Quotes-57

The decisions we make and the paths we go down may be complicated and the path I chose may not look anything like yours. But deciding to go, to change, to work through the problem, to have that tough talk with your spouse or go to see the physician is worth the skipped beat your heart makes when you do it. To get over that first step…the decision… then to move into the next phase and see where it takes you.

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Life Decisions

It’s not an easy thing to talk about or consider, but when it comes to making important decisions about the future it’s near the top of the list. It’s life insurance coverage. Yes, it can be a morbid topic to discuss sometimes but it’s one that warrants attention when making plans and preparations for future needs.

Life insurance can help pay for funeral costs, bills and other future financial needs of your family. The nonprofit organization Life Happens provides general information and education about life insurance and what to consider. It can be a challenging issue to face, and for those who experience chronic illness there may be some obstacles along the way to obtaining this coverage.

Some insurance companies may have stricter policies or limitations they impose for those who have been diagnosed with a chronic illness. This can vary according to the company’s policies and rules regarding coverage, and other issues like one’s medical history or current health situation. For these reasons it’s important to research a company and its policies before purchasing a plan. Higher premiums or limited coverage may be some of the barriers experienced by those trying to find a life insurance plan.

rsz_couple_smiling_and_talking_to_man_over_paperworkWorking with your state department of insurance and certified insurance brokers/agents can help you find a life insurance plan that works for your needs. Agents who specialize in ‘impaired or high risk’ life insurance can help as they have experience finding coverage for individuals with medical conditions. The National Association of Insurance and Financial Advisors has a search option to help find agents in your area. Looking for professional support in the insurance arena can hopefully help you attain beneficial outcomes when finding coverage.

*Be sure to use discretion when researching insurance professionals in your area.

Have you had any experience with life insurance planning?

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