A little while back, my spousal unit asked me to get a pen and paper so I could note down a few things. Sitting with my pen and a clipboard, I asked what things.
“Just stuff you would need to know if I weren’t around any more.”
I put down my pen. “I don’t like this game. I don’t want to play.”
He was prepared for this reaction. Whenever he tries to tell me about things like his life insurance policy, or making a will, I change the subject. Failing that, I put my hands over my ears and say “LA LA LA LA LA LA.” Seriously, I do that. But he’s capable of great persistence.
He had me write down a few things like where his 401k is, how to access his IRA if necessary, and the company he’s got life insurance with. Apparently the life insurance company feels he’s terribly underinsured; in their opinion he should be insured for about three million dollars. The idea seems to be that if something happened to my husband, I should be able to live off his insurance for the rest of my life.
I find it offensive to suggest that if my husband dies, my life should continue as if nothing happened. Life insurance should be there to help ease the transition, not as a monetary substitute for what can never be replaced. Where did such a greedy, materialistic notion come from, anyway? Are there actually people who buy such policies? Or is the assumption that I’m incapable of supporting myself at all?