IMAGINE THIS: Your Family, Without You

Would Your Family’s Lifestyle Change If You Died Today?

Have you ever stopped to really think about it? Not just the emotional side, which is huge, but the practical stuff. Like, what happens to your family's *life* if you weren't here tomorrow? Would they keep going, maybe even thrive? Or would things crumble?

I know, it's not a fun thought. But honestly, it's one we all need to have. Because let's face it, life throws curveballs.


Why Does It All Fall Apart? (And Why It Doesn't Have To)

It's not about pointing fingers; it's about understanding. Here's what usually happens:


• The paycheck stops: That steady flow of money? Gone. And suddenly, everything feels shaky.

• Bills don't care: Loans, rent, those pesky credit cards? They don't disappear just because you do.

• Funerals aren't cheap: And neither are those last medical bills. They can wipe out whatever little savings you had.

• No safety net: If you haven't saved or invested, there's nothing to catch them.

• Who's going to step up? Maybe your partner doesn't work, or your parents depend on you. Then what?


Okay, So What Can We Do? (It's Not As Scary As It Sounds)

Look, nobody wants to think about insurance. But it's not about wishing for the worst. It's about loving your family enough to plan for the "what ifs."


Here's how to make sure they're okay:

1. Really look at your life:

     • What are the monthly bills? Rent, food, the kids' school? Write it down.

    • What do you owe? Loans, that mortgage? Be honest.

    • What are your dreams? College for the kids, a better home?


2. Remember, time marches on:

    • Things get more expensive. That 50,000 Ksh you spend now? It won't be enough in ten years.

    • Think long-term.


3. A simple rule of thumb:

    • Take your yearly income, and multiply it by 10 or 15. That's a good starting point for how much coverage you might need.

    • For example, that 1 million Ksh? aim for 10-15 million Ksh in coverage.


4. Don't forget the kids:

     • School fees, university, all that stuff? Factor it in.

     • Look into education insurance, it can really help.


The Bottom Line: It's About Love

This isn't just about money. It's about peace of mind. For them, and for you. Knowing they'll be okay, even when you're not there.

Wouldn't you rather they remember you for the security you gave them, not the struggles they faced? I know I would.

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