Planning for the Unexpected
Why Everyone Should Have a Will Regardless of Age or Wealth
Most of us don’t like to think about what would happen if we passed away unexpectedly. But planning for the unexpected is one of the most powerful ways to protect the people we love. Having a will — and the right insurance — isn’t just for the wealthy or those later in life. It’s for anyone who wants to leave their family with clarity, security, and peace of mind.
Why a Will Matters at Any Age
A will is a legal document that sets out your wishes for what happens to your assets, your dependents, and even your pets when you die. Without one, the law decides how your estate is divided — and that may not reflect what you would have wanted.
Here’s why having a will is so important, even if you’re young or don’t think you own much:
Clarity for Your Family: A will helps avoid disputes and confusion at an already stressful time.
Protection for Children: You can name guardians for your kids, ensuring they’re cared for by the people you trust.
Control Over Your Legacy: Whether you have a house, a car, or just a savings account, a will ensures it goes where you intend.
Peace of Mind: Simply knowing your wishes are documented can give you confidence and reduce stress for your loved ones.
Where Insurance Fits In
While a will sets out what happens after you pass away, insurance provides financial protection for the people you leave behind — and even for yourself during your lifetime.
Life Insurance: Ensures your family can pay the mortgage, cover living costs, and maintain their lifestyle if you die unexpectedly.
Income Protection: Provides an income if illness or injury prevents you from working — protecting your financial stability while you’re alive.
Trauma or Critical Illness Cover: Pays a lump sum if you’re diagnosed with a major illness, helping you focus on recovery rather than finances.
Together, a will and the right insurance create a complete safety net: one ensures your wishes are carried out, the other ensures your loved ones have the financial means to carry them out.
When to Review Your Will and Insurance
Your life changes — and so should your plan. Review your will and insurance whenever you:
Buy a house
Get married or divorced
Have children
Start or grow a business
Receive an inheritance or other significant asset
Experience major health changes
Regular reviews ensure your plan always reflects your current situation and wishes.
Final Thought
Planning for the unexpected is an act of love. By having a will and the right insurance in place, you make things easier for the people who matter most, no matter what the future holds. It’s not just about wealth — it’s about care, clarity, and peace of mind.
Amy Callon
Financial Adviser
New Vision Financial Services
Plan your future and let us help you have peace of mind along the way.