Sounds like a depressing subject, right? Yeah, I guess it could be, but the fact is everyone does die. I have been really thinking about the fact that I am not protected adequately if something happens to Dave. He is the breadwinner and makes a great living for us but with his income suddenly gone I'd be left with some SSI and a few other investments it would not come anywhere close to what we have now. I would be able to live independently but not in our home. More like a small apartment somewhere less expensive. I've been thinking that if I had the tragedy of losing my soulmate how could I cope with having to sell and leave my home right away too? It's just too much for me to think about. If I had the ability to wait one year before making major decisions I should be OK. So I contacted our Insurance Agent (we have every insurance except life) to find me a policy that will work to pay the house payment for one year. It's going to be expensive I'm sure because my hubby has this awful smoking habit *steaming*. But darn it - if he can spend all that money on cigarettes he should be able to make sure I'm not forced out of my home.
I was wondering if anyone has known anyone with this experience - where one spouse is completely dependent on the other spouse financially and there was a death. How do you deal with your future possibilities? Does this seem greedy to you? I don't know but I feel it is a way of taking care of myself so that my family won't be burdened. See, if I die first it won't impact Dave financially one bit. In fact I'm sure he'll come out ahead - LOL.
He has just been working like a dog this past year and I worry about his health but there isn't anything I can do to get him to change. But I can be prepared.