IN A FLASH H What would cross your mind in a life-threatening situation? ow much life insurance is enough? Whatever that magical amount is, Christy Jeffreys and her husband, Paul, knew they didn’t have it. Sure, they had a little – enough to pay for a burial – but not enough to sustain their family if something were to happen. That concerned them. So they sat down and did some calculations. Outstanding loans. Loss of income. The cost of raising their three children without hardship. They ran the numbers with their Modern Woodmen representative, Dannielle Roberts, and came to an amount that seemed to fit. Dannielle got everything set up, and like that, the life insurance was put in place. End of story, right? Not quite. Christy shares the rest of the story here. AFTER THE CRASH by member Christy Jeffreys, Detroit, Ala. Aug. 28, 2015. My itinerary for the day: work, our daughter’s guitar lesson, a Friday night football game and, finally, rest for the weekend. But life doesn’t always follow our itinerary. Our two daughters (Carley Ann, age 11, and Anna Beth, age 9) and I were heading home after Carley Ann’s guitar practice, driving down a small gravel road. About a mile and a half from home, one of my tires hit loose gravel. I lost control of the car. There was no reaction time. The car shot across the road and hit a grove of trees. My 9-year-old daughter, who fractured her arm in the crash, pulled Carley Ann and me out of the car and tended to our injuries. I knew I was badly hurt. Disoriented and scared, for a moment I didn’t know if I would survive. And in that moment, I thought of my family. After the crash, Modern Woodmen representative Dannielle Roberts reminded the Jeffreys of their fraternal member benefits. The family qualified for the Fraternal Aid Fund, a member benefit that offers financial assistance for premium payments for Modern Woodmen members who’ve experienced financial hardship due to a natural disaster or serious health problem. What would happen to them if I didn’t make it? Could my husband raise the kids alone with his travel-heavy job? I thought of everything I would miss: school assignments, proms, college visits, weddings. “ And in that moment, I thought of my family.” – Christy Jeffreys, Detroit, Ala. 1 in 4 people feels he/she needs more life insurance protection. Source: 2016 Insurance Barometer Study, LIMRA.
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