Is There Life After Death?

Is There Life After Death?

The age old question, is there life after death? Not for you on this planet at least. Dead men tell no tells. They also have no say so to what happens to their property, children or pets if they don’t have a will. They will leave no money, in most cases, without life insurance. The only chance you have for life after death is to leave your instructions of how you want things handled by writing your last will and testament. There are now online services that are both affordable and convenient to writing your will and not leaving your loved ones fighting with a judge about custody of the children or their beloved pets.

Never just assume that everything is marital property and everything will just be okay. I was reading about a case in North Carolina this past week where a man died without a will. He was on a second marriage with two minor children. Upon his death, the first wife and mother to the children stepped in wanting half of his estate for her children. The second wife and step mother just assumed everything was hers, but without a will ultimately now a judge will decide. What a nightmare that could have been avoided by just having taken the time to writing his last will and testament. It made me wonder, did he change his beneficiary on his life insurance as well? Another potential nightmare.

There are so many things to consider when we die. Some people think, I don’t really own a lot of property or assets, so I don’t need a will or life insurance. Having a will is much greater than just owning property. A will can protect the custody of your children, who takes care of your pets, or that special baseball card collection or tea cups collection goes to the right person who will appreciate them like you did. Another ongoing issue is cyber property. What happens to your Facebook, PayPal or Twitter account? There is so much to consider what happens after death, you cannot afford to be without a will in this day and time.

No one wants to think about dying, but two things are a must to average hard working Americans. Purchase enough life insurance to make sure your family will be okay financially and take the time to write out your will. The cost of an online will is affordable and writing out your final wishes is a snap with a good template. Don’t wait until it is too late and put your loved ones through legal issues and financial stress. Give them time to grieve over you, not curse you for your mess. If you love and take care of your family everyday like most of us, take another moment to care for them when you’re gone. Give life after death to those loved ones left behind. Don’t procrastinate any longer!

Procrastination is like a credit card: it’s a lot of fun until you get the bill.”–Christopher Parker

 Image by Mister GC at www.freedigitalphotos.net


Tim Wilhoit is owner/principal of Your Friend 4 Life Insurance Agency in Nashville, TN. He is a family man, father of 3, grandfather of 1, entrepreneur, insurance agent, life insurance broker, employee benefit specialist, salesman, sales trainer, recruiter, public speaker, blogger, author and team leader with over 29 years of experience in sales and marketing in the insurance and beverage industries.

13 Responses to Is There Life After Death?

  • It is always a good thing for end of life planning so the assets go where the client wishes.

  • Eric, I couldn’t agree more, thanks for sharing

  • Before reading it, mais oui! Now, let’s see where you’re taking us.

  • As, our law firm shared during a will seminar, it doesn’t matter if it’s $10,000 or $10, 000, 000; when you die without a will, there will be a fight. Reviewing them regularity is also important. A friend’s ex mother in law received a $250,000 from an insurance policy when his father in law failed to change the beneficiary, “Boy, I’m glad you’re LS business is doing well. I’m good.”

  • Consuelo, You are spot on. Without a will rich or poor there is always a fight and the ones we love most have to fight it. Sad but true.

  • We should also consider the tax treatment of life insurance payouts on a worlwide basis and lobby for preferential tax benefits where economies are not yet availing these to beneficiaries.

    • Elaina, I am just not familiar with life insurance tax laws outside of the US. But in almost all cases in the US life insurance proceeds to the beneficiary are tax free and I agree should be internationally. To tax life insurance proceeds is taxing a vulnerable person at a really bad time in their life after the loss of a loved one. That is the definition of “taking advantage”.

  • Great article.thanks for sharing

  • Nice article, direct to the point. Life insurance and a will .

  • Where can you get a copy of a Will of a deceased relative? Are they filed with the courthouse?
    I paid a lot for a Will myself and have an attorney set to handle it upon death so there is no bickering.

    • Armand, I am not the attorney side of our business but I would think once a copy of a will has been executed you would need to contact the probate court that executed it. Until a will is executed it remains a mystery until the executor starts the process. Perhaps an attorney can be more specific to your situation.

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