Prepare for the Worst, Hope for the Best


I had another post about my first week of senior year about 75% written out, but I did something today that drove my thoughts and intent in a different direction. I’ll post about this week later, but today I want to focus on this morning’s events.

I woke up early and got ready for a meeting. It was an out-of-the-ordinary meeting. It didn’t have to do with school, or any of my jobs. It was a meeting with an insurance consultant. We met halfway between her office and my campus, in a diner in a fairly nondescript suburb. We were discussing my health history, my family’s history, and my educational situation. We had a little bit of small-talk about my major, my career choices, and the internship I held over the summer in California. Most of all, though, we were filling out paperwork for a life insurance policy.

It’s awkward to think that we could be placing a dollar amount on the value of my life. When my mother suggested I get this taken care of, I was hesitant. Does a 21-year-old really need a life insurance policy? When I thought about my student loans and the way that life insurance has impacted us in the past, I realized she was right. It was both the cautious and responsible thing to do.

If anything were to happen to me, I’d be leaving my family with an astronomical amount of student loans. I made that choice by attending a private college to get a degree that I could not get anywhere else. My future of massive loans and monthly payments is not the only thing that influenced this choice. For my more long-term, regular readers, this is old news. In June of 2002, my father experienced an unexpected and fatal heart attack while baling hay. It was devastating, both emotionally and financially. While my mother did have a regular job, Dad had been a hardworking and dedicated provider for our large family.

Had my parents not been prepared, we would have been lost. I’m not sure how we would have made ends meet if we had not had a policy for my father.

I had never really thought about the debt I could potentially leave behind. I’m glad my mother did, though, because now I can rest assured that if anything happens my family will not have to struggle with the loans I took out while seeking a degree. While we can only hope nothing tragic happens to me this early in life, my family has learned the hard way that sometimes you have to prepare for the worst and hope for the best.

For my college-aged readers: Have you ever considered a life insurance policy to cover the costs of your education in preparation for the worst? Would you do it? Why or why not?

For a more general audience: What’s your stance on “prepare for the worst, hope for the best?” How does that mentality affect the way you operate in everyday life? Does it influence your family, your farm (if you have one), or your relationships?

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