Ice Water, Curve Balls and Life Insurance

Life Insurance

The ALS Ice Bucket Challenge has been an amazing event to follow. What started out with one man diagnosed with the disease challenging a few friends to pour a bucket of ice water over their heads to promote awareness and to donate money to the cause, has turned into a mass social undertaking. We’ve all been caught up in the ALS challenge in one way or another. Whether we did it ourselves or we watched how others do it. I must say this challenge is one of the most creative ways I have ever seen to heighten public awareness and raise some badly needed money for research. The amount of money collected to fund this disease research has been amazing, and it’s not over yet. I hope we find a cure and find it soon.

According to the ALS association, about 90% of patients with adult-onset ALS have no family history and the average life span is 2 to 5 years. That made me stop and think about the randomness of life. We just never know what might come our way and when it might come our way. Sure we can maintain a healthy diet and exercise program to fight the odds, but in the end, we just never know what’s going to happen. That’s part of life.

Purchasing life insurance at a young age can help fight the odds, as much as diet and exercise. Life insurance protects our loved ones in the event life decides to throw a curve ball at us. If a random disease such as ALS were to enter our lives, we’d at least have the knowledge our loved ones will be protected when we die. There are life insurance policies that allow death benefit withdrawals while a person is still alive. This can help alleviate the cost of care or provide the means to do something meaningful with the ones we love, before death. 

About the author:  Michele Cleary has been in the business for over 35 years and holds a CLTC designation. She believes that life insurance can give you and your family peace of mind, especially when you have other things to worry about. Michele now has 4 grown children and knows that proper planning is essential. You can reach her at 1-800-651-1953 or