Saturday, December 7, 2013

@mail4rosey #GenworthHoliday Discussion (Some of the Best Gifts You Can't See)

Disclosure: Information for this post is sourced by Genworth Financial. All opinions stated are genuine and my own.


I have worked most of my adult life. When we moved to a new state, and decided to have one last child, we also decided I would be a stay-at-home-mom (SAHM). What a great decision for me and the youngest child!  As with anything though, there have been perks and downfalls. The perks are obvious...I get to see and experience every little thing with my son; I get to teach him things I think are important; and we get to have a lot of fun to boot. 



Right now it's the holiday season, and we're so busy doing fun things together that I have thanked my lucky stars more than once that I get to be here when the kids get home from school, on the weekends, and that I don't have to travel (unless we're traveling as a family, for fun).  We're all about baking cookies, decorating the house (and the cookies ;) ), shopping, taking trips to see Santa, and doing all of the other fun things the holiday entails.


The downside to being a SAHM is that I gave up a lifetime of benefits I had secured in place when I was working.  Thankfully we are all insured under my husband's health insurance, but life insurance for me? Gone, kaput...and that's just one of the big things I gave up, but it's one of the most important to get back, and soon.  It's something I have put off far too long now. Genworth Financial can help, I already know that, I just haven't taken the plunge and gotten started on the details. 


My biggest concern is cost. When you're a SAHM the money's not flowing in like you're used to, so you want to cut corners.  Chris Kissell wrote an article about life insurance, the importance of SAHM's obtaining it, and the approximate cost it would be for me to purchase it. It's really not un-affordable, if we sit down and do a little re-arranging.  What better thing to give myself for Christmas (or to start the new year?) than the security I will have in knowing my family is taken care of in the event something happens to me?  Though it's not a gift the family will see, it is something they will some day appreciate, far more than they'll ever even need to know.  As a parent, I fully realize that some of the best gifts we can give our family really are the ones they don't see.

64 comments:

(Terry) My Journey With Candida said...

While my Hubs was working, we had great health care insurance, now that he is retired, the health care leaves a lot to be desired.

Launna said...

I'm pretty grateful that I don't have to worry about that in Canada but I totally understand the need to be covered :)

Sandee said...

Yep, this year my health insurance went up 25%, and I'm sure that in 2015 it will be even higher. We need insurance, and when we get older we have to have insurance.

Have a fabulous day. :)

Kera @ Nugget On A Budget said...

Our health insurance through my husband's work is horrible. We're trying to figure out other options because we're paying WAY too much every pay check right now. I love the picture of your son with Santa:)

Anonymous said...

We are very fortunate. My husband works for the state so we have good benefits.The insurance is extremely important & you are right they will thank you for it. With young ones always getting sick, it is a must. I hope you & your family have a happy holiday.

Janine Huldie said...

So true Rosey and I am thankful that we have descent heath insurance with Kevin's job, but totally need to look int life insurance for me and total food for thought here today. Thanks Rosey!

Masshole Mommy said...

All my benefits are currently through Chris because I stay at home, too. He invests for the future, has the 401K and healthy insurance so I don't have to worry about any of it.

KentuckyCooking said...

I agree - some of the best gifts can't be seen. And peace of mind is one of those.

MikiHope said...

Being single with no children I tend to not worry over much about life insurance-except health ins-and thankfully even though it isn't the greatest I have that

Lisa said...

Great Thoughts, I Need To Get Some Life Insurance!!

Lame Shrill Owl said...

Nice santa picture!

Jessica Allen said...

We actually just got our own individual insurance as my husbands new company doesn't offer great coverage. It was so much easier than I expected and quite affordable, especially since we're on a single income!

Irene V. said...

You're true Rosie, I agree it's a good gift for all of you... Here in Italy you don't have life insurance only because you're a worker, you have to pay for it whether you work or not!
Hugs
MammaNene @ SergerPepper.com

Pat Hatt said...

Health care stuff covered here, work even covers life insurance for my luttle rhyming rear lol

Pam said...

We have life insurance for me and for my husband even though I don't work outside the home now. I have always been afraid not to have it!

Anonymous said...

I am in the same boat as you, my husband's job has life insurance for me, but it is not much so we had supplemental plans for both of us.

Healy Harpster said...

I guess were lucky because we have both health and life insurance... I just hope and pray that we can continue to afford to pay our insurances since hubby is the sole provider .

Pehpot Pineda said...

Life insurance is really important, I have one but I don't think it is eanough and I am planning to increase my coverage as well as my husband's

Anonymous said...

Life insurance is so important. Sad to say in this day and age it is a lot of people without it. As a parent it is something I think about a lot because when I leave this earth I want my son to be A OK.

Ashley Gill said...

I used to sell life and health insurance... I cannot stress enough how important being insured is. Great post!

Terri Lynn Grothe said...

one of the first things we purchased when we got married was life insurance

alissa apel said...

Health care bites and is a good thing to have. Both my husband and I work at small places that abandoned having it. We have our own. It's silly! It cost so much.

Annie said...

Healthcare costs so much, but better to have than have something happen to you & then being in a huge debt. I haven't thought of life insurance yet...

Theresa said...

Life Insurance is quite costly, but it is a must to keep your loved ones protected in the event of your death. I am grateful that my husband keeps up on mine!

Optimistic Existentialist said...

I have such respect for stay-at-home moms. One of the hardest jobs on earth :)

Brian Miller said...

hey great pics of the family....SAHM is a huge job that often gets given the bad rap...but its def not easy...insurance...oy, not my fav thing to think on but....i have lived with out it...which can be all the more expensive...

Cyndie said...

I gave up my career to be a SAHM to my autistic son.

Lame Shrill Owl said...

Thanks! I shared this on FB & pinterest.

Morgan said...

Lot's of sacrifices when becoming a SAHM but I believe the benefits out weigh the cons in so many ways! Blessing to you on your new journey.

Melanie said...

Don't even get me started on Health Insurance.. no matter if it's my job or Hubbies the coverage compared to the monthly premium that would cover a mortgage payment is crap.. doesn't cover a thing.. My Dr. actually said the other day "Insurance"..a re you kidding, it's a discount plan you are buying to get a discounted rate at the Dr... and she is sooo right.. Wish I could be a SAHM, kudos to you and good luck.. :-)

Growing Up Madison said...

That is so true. I do have insurance being military but I need to think about when my military career is over. I have to think about my family who wouldn't be covered then. Now is a good time to think about it as well.

Erinn Sluka said...

I am in the same boat. Always worked and we moved in July and I left my job with great medical group. I love being home with my boys, but do think of the added benefits I gave up!

Karen Glatt said...

I do not have Life Insurance, but that is something I really should look into. It is important to have life insurance especially if the bread winner dies! It can cover so many things that will not get paid if a person does not have it!

Pam said...

Life insurance is so important for both parents to have. Even though your husband is the bread winner, if something happened to you, he would need to secure child care for your son.

Tough Cookie Mommy said...

I agree with you, some of these are truly things to be grateful for. I've always stressed the importance of having life insurance to others, especially since I worked at an insurance office to put myself through college.

cbusch said...

So true as you never know what tomorrow might bring so be prepared with life insurance.

Christy Garrett said...

I agree that this is a great gift idea for anyone to have. Life insurance is very important.

Liz @ A Nut in a Nutshell said...

That's absolutely true about some of the best gifts not being tangible. You and I are in the same boat in many ways, this being one of them.

LaVonne Long said...

When mothers can stay at home with their children, I think they are lucky. Besides not always having benefits, I sure miss the face to face communication with other adults!

Fan R. said...

Stay at home is wonderful, and Life Insurance is important because we need to protect ourselves and family from unpleasant situations. I think I need to get into this topic much deeper and learn more about it.

Fan R @TeddyOutReady

Theseller frank said...

Best gift ever, I used to send gift that is useful.

ashley jayne said...

Life insurance is very important to the loved ones you leave behind

~ Noelle said...

i have no life insurance either, that really needs to change

Karen Hewitt said...

Insurance is a tricky road to travel, it sounds like Genworth tries to really lay it out simply

Colette S said...

I"m really glad I do get to be a SAHM too but I really would love to have a career now and I'll start at the bottom.

For my kids, I'd definitely get the life insurance.

I hope someday I can do this for my family.

Thanks for sharing Rosey.

Scribbles said...

great post and shared

Samantha

Melanie B said...

Very important to be discussing this! We haven't just yet we have it planned though

Lexie Lane said...

I feel scared about getting life insurance. I know we should or have to for the sake of our son. It's so important when you've got a family, for sure.

Le-an Lai Lacaba said...

Since my mother works in the government, we all have health insurances every year.

Henrietta said...

You are right, it is so important! My hubby has life insurance, working in construction we knew that it was important for him to have it. I don't have any and neither one of us have health insurance, someday we'll get our heads above water and be able to do these things!

Anonymous said...

Great thought, it really is the best thing for your family!

Marika said...

We both have life insurance, I think I have two and hubby has two as well - plus health insurance. Crazy, I know.

Robyn Good said...

This sounds great and much need for any parent.

TxMommysSavings said...

My family doesn't have life insurance. My husband doesn't have a stable enough job to afford it. We've begun to talk about it but I just don't know if we can ever truly afford it.

Ronnie E. said...

Thank god that in my country we are all covered by law... just signed an additional life insurance document not too long ago. Plus, I get health insurance as well.

kewkew said...

Life insurance isn't something I really think about because in my old church it was frowned upon. It is something I think the hubby and I should discuss though. thanks for sharing

Elisebet F said...

My husband has life insurance, but I don't. We've talked about getting me a policy though in the new year. If anything happens to me, there's all the funeral costs, and then my husband has to pay for daycare for our son. There's no way he can afford all that without life insurance!

Lisa Trudell said...

We both work and I am glad that my insurance is better than my husbands. I have heard of some that are pretty high.

Peachy Adarne said...

That's the reason why I became a WAHM as well but it's also important to make sure we have a secure future. It's a wise decision to get an insurance.

Katherine Bartlett said...

Thank you reminding me to see if my insurance is being canceled next month!

Kim Croisant said...

Trying to make the best out of staying at home with my grandSON too. Wouldn't change it and thank goodness we have insurance that's okay.

Leigh @ OneandOneEqualsTwinFun said...

It's so important to think about things like this BEFORE you need them - thanks for sharing this!

Carla said...

I am so glad that for now all of that is offered through my husband's job. The policy on me isn't huge, and if we end up adopting any more kids, we will probably supplement. What we have right now is enough to take care of Elliott before/after school and in the summer until he is big enough to be at home by himself, though, with some wiggle room, since my husband wouldn't have the time or inclination to look for the best deals on everything and shop as carefully as I do.

Teresa McCluskey said...

I have no insurance at all right now but I really need to get it started.