It is remarkable how one short phone call can change your life forever. I can remember when my mom got that phone call from her mother-in-law telling her that my father had been killed upon impact in a motorcycle accident on his way to work early that morning. While my mom burst into tears and fell to the ground I had no clue what was occurring and did not understand the severity and full impact of the situation for some time. I was in first grade when my father passed away. To this day it still hurts to think about my loss and how my life would have been different, better had that phone call never happened. Some nights the only thing I can do is cry myself to sleep because I am still numb inside from the pain, I was daddy’s little girl if only for a short time. I know that his spirit lives inside of me and will never let him die within my soul no matter how old I get.

As my father had neither life insurance nor a living will my mom and I lost everything, our life our love and our happiness. If my fathers had some form of life insurance it would have made things easier to adjust because we would not have lost the house that my father helped his father build or the ability to attend a private schooling. Reduced down to nothing because of the lack in life insurance, my mom and I had to move into a three room house where I either slept with my mom or on the couch when I got older. To this day we still do our grocery shopping with plenty of coupons purchasing off brand sale food and buy everything else including: clothing, furniture and appliances second hand from yard sales or the Salvation Army. My mom is forced to work a laborious 60 hours a week at two different jobs just to earn $20,000 a year to try and pay the bills.

I am the first person to attend college in my family and I will not let the financial difficulty stop me from obtaining the highest level of education I can achieve. Even though, I was not able to attend my top choice college because of the high coast. My dream is to one day have a loving husband , because I do not know what it feels like to have a male influence in my life, and family of my own that will be financially stable. When this happens I will buy everything “brand” new from retail stores as well as help my mother financially because my happiness and success was always her number one priority in life despite the hardships we continually work to overcome. My mother has a life insurance policy on herself so if anything were to happen to her I will be able to pay her debts and keep a roof over my head. I will make sure to have a policy on my husband and self because I have first hand experience of how vital that support is with the unexpected death of a spouse. Although I feel that losing a parent at a young age has made me a strong and independent individual, I would trade the world to have my father back.