what if?
I have health insurance now. Got my card in the mail today. Which is very good, because I have a persistent pain in my back/side that I shouldn’t keep ignoring - in fact, I sacrificed hundreds of dollars in pay yesterday to stay home and nurse it. Now I’ll be on my way to the doctor, insurance card in hand. I don’t expect the coverage to last long, because I’ll be finished with my current project soon. Until I get a permanent job, it would be in my best interest to purchase health insurance through my professional organization… haven’t got around to figuring out how to get that yet. But I will. I have to. ‘Cause what if I need health care?
I have life insurance now that’s not tied to a job. I purchased a term life insurance policy. If I ever want to convert it to whole life insurance, I have the option (I’ve heard that whole life is a waste, but who knows what will be said about it years from now?). It’s more than enough to cover my debts, bury me, and leave a little left over for my parents. When I pick up a mortgage, I’ll increase my coverage. And when I get married to Mister Ant, I’ll increase it again. And when we have little Ants, I’ll increase it again. But it’s good that I got some, ‘cause I let the coverage my mom had on me as a minor just lapse. I didn’t have room in my mind or my budget to make the payments. But my new insurance is totally affordable. Which is good, ‘cause what if the unthinkable happened?
I’m not done. I still don’t have long term disability insurance. I also don’t have a will (no dependents, so I’m not in a rush, but when I get married, I’ll have to get on that). But I’m on the way to preparing for the what ifs.
