Please, please accept my deepest, sincerest apology for not doing what I should have done while I had the opportunity – providing for your financial needs if I wasn’t here to do so! And now that I am out of the picture it seems my error will haunt you and your future, so again please accept my apology and, of course, you ask within yourself, “why didn’t he/she?” and here are my illogical answers which defy common sense!
—Life Insurance —
I didn’t think/plan on dying
I didn’t think it was a priority
I didn’t think we could afford it
I thought it was a waste of money
I didn’t take time to look into it
I didn’t understand the concept
I didn’t get asked to buy it
I didn’t consider your futures
I didn’t think about how you will survive
I didn’t think I would die in debt
I didn’t plan for what has happened
I thought I was smarter than this
I ignored your future without me
I was simply in error in my wrong thinking as my thoughts were:
Our monies can be used better?
You will get social security?
You have some monies in our bank accounts?
You can get food stamps?
You can go on welfare?
You can have car washes?
You can ask relatives and friends to help you?
You can be employed?
You will work through this as always?
I think I have some job group insurance?
I think I have some veterans benefits?
I think I wrote a will?
I think we had a trust?
I think I left you some notes somewhere?
but now that I am no longer here to help you sort out things here is at least a list of challenges facing you:
My funeral cost
The mortgage on the house/payments
The credit card debt
The auto debt
The bank loan we took out/debt
The monthly income and lack of it
The daily grind without me
The load to carry without me
All I left undone for you to deal with
All the stuff I left you to deal with
Monthly rental cost
Taxes you may owe
Bills I left unpaid
just know please, “had I known all this was going to happen I surely would have made far better plans for you than I have.” I am sorry!
___________________________________ Your Signature
___________________________________ Print Name
P.S. Please again accept my error in what is now going to be a massive change in the way you were used to living out your daily journey!