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Losing Your Mother is Tough Enough…

• Lynne Hughes was nine-years-old when her mother passed away; by the age of 12 she had also lost her father. Every May, as her classmates celebrated Mother's Day, Lynne felt excluded.
• "Mother's Day was a non-day, or a day for other people. It was a line drawn and everyone was on the other side."
• She knows first-hand that the unspeakable does happen. And while there is no replacement for a lost parent, there are steps you can take to secure your children's financial future.
• "As soon as I got pregnant, we got all our finances in order. We got life insurance – even before my first child was born. It was something I had to do."
• Most Americans need life insurance. According to LIMRA's 2010 Life Insurance Ownership Study, almost one-third of U.S. households (35 million) don't have any life insurance at all, and half of U.S. households (58 million) readily admit they currently don't have adequate life insurance coverage- the highest level ever.
• To figure out if you need life insurance, ask yourself, "If I died tomorrow, how would my loved ones fare financially? Would they have the money to pay for final expenses like funeral costs, medical bills and taxes? Would they be able to meet ongoing living expenses like the rent or mortgage, food, clothing, transportation costs, healthcare, etc?"
• What about kids' college tuition or your spouse's retirement? Lynne will tell you, it's always a struggle when you lose someone you love. But your emotional struggles don't need to be compounded by financial difficulties.