Risk is everywhere.
The potential for loss and its negative financial
impact has allowed for the vast and complex world of the insurance industry to
develop and thrive. As adults, we learn through many different lessons that we
should fear economic loss, and that the best way to manage that risk is to make
sure we have the proper insurances in place.
Often, our first introduction to insurance happens after
getting a drivers license. Then, when we complete college and get our first job,
we start to sort through health insurance. Life then continues on, and at some
point, we start the process of building our family. We get married, buy a home
and have children, which bring on another host of insurance policies to
purchase: life, home owners’ and disability.
Stay with me, I know talking about insurance and
risk management is about as much fun as getting a root canal, but I promise I
have a point.
Now that your family is growing, you start to think
about college savings and retirement planning, and you realize that you not
only need insurance, but you also need to be setting aside money for the
future. So, you and your wife start to faithfully put money into your companies’
401K plans. You are no longer the kid learning to drive and hearing about
insurance for the first time; you have a complex life with many different
financial responsibilities.
Then one day, it happens: the financial risk you
did not plan for, nor can you insure against or save enough money to prevent: divorce.
This news rocks your emotional, spiritual and
financial life. Everything changes. All the hard work of building, creating and
maintaining financial security evaporates, and myriad of questions about your financial security open up.
What can you do? We don't get married for financial
support, do we? We (hopefully) get married because we love someone. Yet, over
time, we come to trust our partner, and there is a financial element to the
relationship. This is the very reason why we buy life insurance; we don't want
to leave our spouse with an unreasonable financial burden in the event of our
untimely death.
Creating marital stability and security at times
can seem overwhelming, frustrating and exhausting, but the effort is far worth
it. While financial security should not be the determining factor in making a
decision to stay married or get divorced, it is important to get help in really
understanding the full cost of divorce from an emotional, spiritual and
financial perspective.
There is hope for restoration in marriage, even in the darkest of days.
Consider working with a trained marriage and family therapist to help keep your
marriage on the right track.
Feel free to give me a call to talk more at 980-275-1627.
Ed Coambs
Edited by Reena Arora of Arora Media, connect on Facebook
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