This week I am reminded again of the fragility of life. We see it nearly every day, but sometimes it doesn’t fully affect us until someone we know or someone in our circle has been affected by it. A few years ago my best friend’s husband was diagnosed with cancer, and being the totally stubborn and tough dude that he is, he beat it like a boss. That’s not to say that it was easy breezy in the slightest, but sometimes you take on cancer and you come out on top.

Sometimes you don’t.

This week someone in my wider community has been given a few months to live. I don’t personally know the person, but I know of them, and my heart hurts for them all the same. Being relatively young, I tend to have this idea that if cancer knocked on my door, I’m strong enough to beat it, but I guess you don’t always get that choice and it’s naïve of me to think so.

When it is someone young, in their 20’s or 30’s with their whole life ahead of them, it kicks you just a little bit more. In this particular situation, cancer is hunting down a young family with a 6 month old baby girl. Pretty sucky hey?

Part of my job as an adviser is to prepare for this, typically with different life insurances so that if the worst case scenario happens, there will be some money available to either pay for medical care, assist the family left behind, or alleviate the financial burden during this time. Since entering financial services about 12 years ago, it’s one of the things I am most passionate about. I honestly hope that for most people life insurance is a waste of money and you never have to claim on it. But for the ones that do, I’m glad that I can play a small part in the process of helping.

I’m not writing this post to convince you that insurance is important, I’m writing it because I’m a little bit sad for the inevitable. I’m happy that generally speaking, people can be super amazing and the community involved has rallied together to raise some money for the family, but unfortunately money can’t stop this freight train.

If you are someone however that is in a situation similar to this, have a look at your superannuation funds. You may have some insurance within it that you didn’t even know about and you may be able to get access to it now. It’s worth a try and may really help you and your family during a pretty heartbreaking time.

I’m obviously a person who plans for the future every day, for myself and for others, and I will continue to do that, but you also need to remember that this is life. Right here, right now, today.

This post is from our resident Financial Planner Cara Brett, check out her details in the About Us section.

Posted in: Cara BrettFinancial Planning

About the author: Cara Brett

Cara Brett proudly heads up Bounce Financial - founded in 2014 after a successful, decade-long career in the financial services industry. Cara’s experience encompasses both the financial product and financial advice sides. This gives her a comprehensive and holistic knowledge of all facets of financial planning.