If My Father Had Life Insurance …

When my mother tells me I look just like my father, it’s a quick realization of what he left behind. You see, my dad was struck by a semi truck while merging onto a highway; his truck fish-tailed in the rain and he lost control.

On the day he died, distant family began arriving at my house; they received the devastating news before I did. Everybody kept quiet for awhile, hoping to let a 12-year-old boy enjoy life as he knew it for a few more moments. My aunt finally told me when the tears kept rolling and the truth couldn’t be hidden any longer. Suddenly my world was flipped upside down. I knew from that moment on my life would never be the same.

My father was in his mid-40s when he died and surely hadn’t planned on it being so soon. At the time, he owned a business, was paying a mortgage on his first home and was raising a family. Early on, people feel as if they don’t need to factor death into their life equation, but death comes unexpectedly, sometimes sooner rather than later. It’s not something to fear to the point of neglect, but rather something to plan for accordingly.

After feeling as if we were lost at sea with no hope, my mother finally found a job as a civilian at Camp Pendleton Marine Corps in San Diego. But that meant we had to move —with no friends, family or father. Being away from my grandparents, my mom had to enroll my sister and me in an after school program while she worked long hours to keep a roof over our heads and food in our stomachs.

Emotionally, we have gained strength and have been able to accept this unfair reality. Financially, my father’s death still haunts us 12 years later. After high school, I was accepted to Fresno State University, but had to turn it down due to financial instability. I began working full-time as a front desk clerk. I quickly realized how difficult it is to get promoted without a college degree, so I was determined to find a way back to college.

I was able to get financial assistance for low-income students, and found a new restaurant job that worked with my schedule. This has allowed me to get back on my path to success, balancing an education for myself and a part-time job to help my family.

If my father had life insurance, we would’ve been able to pay off our home, instead of being life-long renters. If my father had life insurance, I would’ve graduated college by now, instead of jumping through hoops to make ends meet. We can’t predict our deaths, but we can predict our family’s financial well-being after we are gone. If you take anything from my life story, let it be the importance of your family’s future and the financial security life insurance provides.

Anthony Hicks

by Anthony Hicks

I am 24 years old, going to school as an independent pre-med student. Working a part-time job as a food server and going to school full-time can be a balancing act for many college students, but determination will lead to the light at the end of the tunnel. Recently, I have been accepted to a four-week residency program at UCSD School of Medicine that will prepare me for a competitive road that lies ahead. Receiving the opportunity to participate with the LIFE Lessons Scholarship Program has shined a light by allowing me to share my experience with readers nationwide.

  1. This is a truly touching story that I sadly have heard many times. I only hope that people will be willing to listen to your story and take from it what you intend them to. I will also share this article with others online.

  2. Great story and very sad…I wonder how many of us go through this in life but never tell our side of the story. Sure people died but really it is not them who suffer but the ones left behind. Del Rio, Texas

  3. There’s one funny thing about Life Insurance. It has to be paid for, whether or not… it is bought.

    If you buy the life insurance your family needs, then you pay for it out of current income. You spend less here and a little less there. You do a little better job of budgeting, of watching out for unnecessary expenditure.
    But, if you don’t pay for the life insurance out of the money in your pocket today, then your family may have to pay for it someday.

    You say: “But how will they pay for it?”

    The answer is that “they have to pay for it- out of the things they do without- the opportunities they do not enjoy; the school they are unable to attend; the home from which they are forced to leave; the sense of security they do not possess; a mother’s attention which is not theirs because she must work to live and so that they may live.”

    Ask yourself this question: “Who pays the biggest price for life insurance, I or my children?” Then, act in accordance with your answer.

  4. Thanks for this Anthony. What incredible motivation, dedication, and strength.
    I am proud to be part of a company that works to prevent situations like this one. Thank you for shedding light on the truth that people all too often walk through life blind to, until it’s too late.
    Your story is an encouragement to many people, I’m sure.

    We support you in all of your ambition, despite the things that have worked against you.

    – Elana

  5. Anthony, thank you for sharing your story. It reminds me of John Lennon’s observation that “life is what happens while we’re busy making oither plans”. You’ve been dealth a tough hand, but keep the faith! It sounds like you’re on the right path.

  6. Anthony,
    My heart goes out to you. Stay vigilant, confident and dedicated and you will overcome everything.

    Ironically, I sell life insurance for a living. I am not sure how I found the profession, but recently realized it found me. I took out my life and disability insurance policies just before the birth of our first child simply as a by product of being in the business. Four months after the birth of our child I was diagnosed with cancer. Now, totally uninsurable I know that this profession found me and someone was watching.

    I wrote a longer version of this story, entitled “In the Blink of an Eye”. You can read it at: https://www.ftsig.com/In_the_Blink_of_an_Eye_7XHW.html or just visit http://www.ftsig.com.

    Anyway, thank you for having the courage to share your story. I am sure it has touched many people to inspire them to purchase coverage and keep them from financial disaster.

    Be well.

    Frank

  7. Anthony,

    thank you for sharing your life story, though it was a very sad reality but am sure it touches every heart of your readers and may lead lead them to open up their mind the importance of having an insurance coverage in our life. We must bear in mind that life insurance voluntary but death is not voluntary, all of us will die, we know not WHEN? we know not WHERE? nor HOW?, Having an insurance coverage in our life is a strong manifestation that we truly love our family.

    We pray for your success….

    Lito

  8. This is truly a touching story. As someone who also lost a parent way too early and in a similar unexpected fashion I can sympathize with the immediate and irrevocable change such an event brings about.

    It isn’t easy, and your determination deserves much commendation. Thanks for sharing. And good luck to you as you make your way through college and Med School.

  9. This story is sad yet very real and should serve as inspiration for all families in America to understand the importance of life insurance, and exactly how the lack of life insurance can impact your loved ones for many years to come. Life sure isn’t easy, but if you have people who rely on you for financial support, why make it even more difficult for them by disregarding your need for life insurance? Planning your financial future is the first step in preparing for the unexpected, and providing your family with financial security in case you’re taken too soon.

  10. That’s a touching story-but I think you are ignoring some realities-life insurance is a luxury when you can’t pay your mortgage, have no money for food, or your car needs repair to get you to work. Life is all about choices, although some are determined by “needs” as opposed to “wants”.
    Yes, it would be nice if everyone could afford to have life insurance to protect their family, but for many day-to-day necessities rule out even thinking about next week-let alone what might happen “someday”, when getting through today is foremost on the list of priorities.
    Best of luck in your future career!

  11. I am a single, successful 32 year old guy with no kids and no debt. When I was 27 I bought several million dollars worth of life insurance. My agent even questioned it, saying: “You don’t have any obligations. Why do you need that much? You don’t have a wife or kids.”

    My answer is simple. I have a brother, a sister, a mother, and a father. If something were to happen to me, I can at least do this to make their lives better after I’m gone.

    So…Brent, Lindsay, Lisa, Dan – please don’t kill me :)

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