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A Plan You Can LIVE With!

When we are responsible for providing for others, it is necessary to prepare for many contingencies. We plan what we will do to keep our children safe while away from home at places such as a crowded shopping mall or zoo or amusement park. Schools hold evacuation drills so children will respond properly in case of fire or other emergency. We plan for our own retirement and we pay into Life Insurance policies so our children will be provided for in the event of our death. But, is that enough?

Plan to Provide. Plan to Survive. Plan to Revive.

“Life” insurance vs “Death” benefits

Life insurance is common practice to ensure small children will be cared for in case of the death of a provider. But what about the loss of income that does not involve the death of the provider? What “insurance” do we have for “life” that doesn’t go as hoped. We need to PLAN for life and all the little bumps in the road that life inevitably presents us.

Chances are at some point you may experience inability to provide due to unemployment, illness, illness of a loved-one for whom you need to care, retraining, relocation, or a long list of other possibilities. None of these circumstances will allow you to collect the “Death Benefits” from your “Life Insurance” policy.

What you need is a Plan You Can LIVE With!

What can you do now to help your family in the event you don’t die? How much less life insurance would you need if instead you invested in the goods the life insurance payout would eventually buy? If your home is paid for, you don’t need as much insurance; if the kids are through college or you have a college fund set aside, you don’t need as much insurance…if your food is paid for you don’t need as much either.

Instead of paying the commissions and salaries of the folks in the insurance industry, you can be saving that money to bypass that whole system–have food in your possession and paid for at today’s lower prices, and be able to use it for whatever reason…even if nobody dies.

Evacuation Drills & Reuniting Plans

Families need to have evacuation plans, written out and practiced, not just in Mom’s head. Schools practice, hotels and public buildings post maps…and families need to do the same.

You need an evacuation Plan You Can LIVE With!

Each child should know at least two ways to get out of the house from their bedroom in the dark and they should practice with a blindfold so they are sure they can do it.

Children need to memorize not only their own home phone (an archaic concept at best) but the phone number of a friend or relative emergency contact person.

With families on the go and scattered all over town, they need a reuniting plan, a place or person to be the contact point, in case communications or plans are disrupted. All the possible scenarios need to be addressed and rehearsed, even a few of the less-likely ones. Children and parents alike will find comfort and confidence in knowing that they know what to do.

Get Trained–Know your ABC’s & CPR and how to save a life.

Every member of a community should take on the roll of first responder.

Accidental injury is the leading cause of death between the ages of 1 and 41 and more children die of injury than cancer, asthma, and infectious disease combined. I feel better knowing that if I were to choke or experience any of a number of simple everyday life-threatening ailments that someone within sight would know how to help me. But, I feel privileged to be surrounded by friends and family with experience in such things.

Are you surrounded by people who have had the necessary training to save your life? How many people in your workplace or where you spend your leisure time have these skills?

Do you have the skills to help another or would you be among the majority standing by feeling helpless?

Do the adults whom your children spend time with have the necessary skills? Are your children’s friends able to help them should something happen while they are hanging out together without adult supervision?

Most people agree that is is important to learn first aid but less than one in four actually get around to doing it.

First Aid is a Plan You Can LIVE With!

Make a plan now to attend a class…even if you have had training in the past, it is time for a refresher course. Take a friend, take all your friends. Contact your local agencies and learn where and when you can enroll.


By Andrea Ayers of Every Needful Thing (www.everyneedfulthingbillings.com). With a wide range of products to feed, cloth, and shelter your family in ways that were previously difficult to attain, Every Needful Thing is a store that focuses on the family…the art of being a close-knit family, the tools for being a successful homemaker and the equipment for activities that promote interaction among the age range of an entire family. Be sure to check visit their website and check out their schedule of classes.

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Posted in Ask An Expert, Health & Wellness, Home & Property
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