Irreplaceable

I went to see a financial advisor type at the bank today, to talk about setting up some kind of long-term savings account for youngest, as he doesn't qualify for a CTF. During the process, she asked me if I have any life cover, and I guess like a lot of people, it's just something I haven't got round to. I keep meaning to, but then the thought of making a financial plan should I meet some untimely end is so WORRYING, I've avoided it.

Apparently, though, I'm worth a lot more than I thought! "think of the expense your hubby will have to go to if something happens to you", she said. "Childcare, cleaning, cooking, shopping-it would cost him a fortune to pay someone to do everything that you do!" I thought she was missing the point slightly; surely my contribution to our family long-term would be more financial: I won't be a stay-at-home mum forever! But anyway. I mentioned this to the other half when he came home, to which he replied "don't worry dear, if something happens to you, I'll get myself on Dating Direct and just get a new model..."

Good job I've got a sense of humour!

Getting hit by the proverbial bus must be a worry for every parent though, and it's not something you want to even think about let alone plan for. Never mind the sodding financial side of things, WHO WILL READ THEIR BEDTIME STORIES and cuddle them and watch their school plays if I pop my clogs tomorrow? Would they even remember me?!? I think it's a sign I'm still sane that for this one at least, I don't worry too much. It's pointless; no one knows what's coming, which makes it so important to enjoy every moment with the little buggers. And clearly, even if I haven't got a plan, the other half has; he'd have me replaced in a jiffy!