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              Laundry lick of love

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              Indulgent dream life wall

              Indulgent dream life wall

              Swoon-worthy modern living rooms

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              Smoothie Bowl Inspiration

              Smoothie Bowl Inspiration

              Nifty tricks for saving big on meat

              The Smart Cookbook Changing Lives

              The Smart Cookbook Changing Lives

              Ways to save money fast around the house today

              Ways to save money fast around the house today

              Sugar Free Kids Lunches

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                Shoot and Edit Amazing Home Videos This Winter Season

                Shoot and Edit Amazing Home Videos This Winter Season

                Travelling to the US? Hot tips on finding the best car insurance

                Fast home organisation tips for the kitchen

                Fast home organisation tips for the kitchen

                Working from home with kids

                Working from home with kids

                Grow an amazing garden

                Grow an amazing garden

                Laundry lick of love

                Laundry lick of love

                Swoon-worthy modern living rooms

                Swoon-worthy modern living rooms

                Your Dream Kitchen Including Appliances for Under $5k

                Your Dream Kitchen Including Appliances for Under $5k

                Home Page New

                The Secret To Totally Transforming A Shed In A Weekend & How We Did It For Under $250

                Going Green: Save Big Around The Home

                Going Green: Save Big Around The Home

                Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                Turbo-charge your property value and home sale for under $1k with these fast hacks

                Turbo-charge your property value and home sale for under $1k with these fast hacks

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                  Maximise your food budget by cooking in bulk

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                  10 save money quotes: Successful strategies to finally stop spending

                  10 save money quotes: Successful strategies to finally stop spending

                  11 ways to make money in Australia: How to get ahead

                  11 ways to make money in Australia: How to get ahead

                  15 great quotes on how to save money

                  15 great quotes on how to save money

                  Cut your food budget and shop smarter

                  Cut your food budget and shop smarter

                  22 clever grocery hacks to save money and time

                  22 clever grocery hacks to save money and time

                  Ways to be frugal while living down under

                  Ways to be frugal while living down under

                  14 epic money-saving hacks for 2021

                  14 epic money-saving hacks for 2021

                  11 money-saving tips – get out of debt and save more

                  11 money-saving tips – get out of debt and save more

                  10 ways to save money on a tight budget

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                    Travelling to the US? Hot tips on finding the best car insurance

                    Going Green: Save Big Around The Home

                    Going Green: Save Big Around The Home

                    Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                    Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                    Home Page New

                    T’is The Season To Be Thrifty In July

                    6 tricks for slashing your next car loan

                    Home Page New

                    Living The Good Life Without The Guilt

                    Home Page New

                    Turning Food Waste Into Savings On Steroids

                    Home Page New

                    OMG! How to have the best African holiday ever!

                    The Ultimate Guide To Colour Coding Your Family Fast

                    The Ultimate Guide To Colour Coding Your Family Fast

                    The Sydney Travel Checklist You Shouldn’t Leave Home Without

                    The Sydney Travel Checklist You Shouldn’t Leave Home Without

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                      Most Commonly Overlooked Boating Expenses

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                      How To Be the Queen Of Tropicana

                      How To Be the Queen Of Tropicana

                      Don’t quit your day job until you read this

                      Don’t quit your day job until you read this

                      Run errands smarter to save big

                      Run errands smarter to save big

                      Sleep more and eat well to get richer

                      How to buy your own dream island

                      This attitude hack makes people rich

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                      Insurance | 9 fab reasons to put money on your life

                      Penina Petersen by Penina Petersen
                      April 28, 2016
                      in Insurance, Mortgages & Loans
                      0

                      I’m considering getting life insurance so I’m looking for reasons to invest. I don’t want to be one of those egotistical humans who thinks ‘I’m going to live forever.’ In fact, I’ve got a very true, possibly over-exaggerated, sense of mortality. I’m not sure if this is because I’m ‘the writer type’ and I have a wild imagination or whether my near-death experiences could have been the reason.

                      These were my near-death experiences

                      Nightclub fire in Japan

                      I was pushed into a lift in a high-rise nightclub when a fire started in the stairwell, which was the only ‘other way out’ apart from one lift on the other side of the room. Before being pushed into the lift by some hero, my whole life flashed before my eyes when smoke filled them and I started to choke. This was one of the scariest moments of my life. One person, who snapped me into ‘flight mode’ was a more-frightened-than-me barman, who ran past me with a look of horror on his face. He did help my cause because I was out down that lift and out of that nightclub as quick as someone could yell…’Fire!….’

                      P.S They put it out. No-one died. Just in case you were wondering.

                      Numerous freaked-me-out flights

                      On the topic of ‘fright or flight mode’ other near-death experiences have included several really bad flights. One such experience included a very rocky flight over mountains to Italy, which nearly took my life. Then there was the plane that came in sideways on the tarmac in Wellington. My plane actually made the 6 o’clock news! Weird experience watching me, in a sideways plane on the telly. Then there was the flight from Brisbane, which got caught in an electrical storm. I got into the ‘Penina’ brace position, which involves nearly suffocating the child in my lap, slight hyperventilation and clawing people – any people within arms reach.

                      Two OMG earthquake experiences

                      I was also in several large earthquakes in Japan. Both earthquakes happened out at sea but these were enough to scare me into going home. Four years of that kind of fear and I was gone. I just didn’t see how that little earthquake pack they told me to pack would help….

                      Woah. I lived to tell all of the above tales. So happy!

                      Even so, I need more reasons to invest in life insurance

                      So you’d think near-death experiences like the ones above would push me into gear. But as a busy mum, who is now balancing budgets, work life and domestic duties, I need more reasons to fork out my family’s hard-earned cash and invest our reserve funds in the case of a morbid event like death. In my books death feels like an event that won’t happen to me soon, or while I’m still young or in a lifetime I’ll remember anyway.

                      I figure: I’m not going to remember dying and if I’m dead, why should I care?

                      Actually, I’m really not that cynical. I just wanted to feel like a hard-core sherry-drinking I-deserve-my-age older person for a moment.

                      Felt good too….

                      Actually, a letter from the Queen would be nice, so I am hoping for the best….

                      So here are 9 reasons I’ve come up with for deciding to put money on my life

                      1. Stay-at-home mums are worth over $110,000 a year!

                      According to mom.salary.com a stay-home-mum is worth over $110,000+ a year if you were to add her duties up in terms of the cost to replace her! So add the salary of a working mum to that and you’ve got some pretty hefty bills to pay to cover what mum’s doing – if she decides to leave this Earth early.

                      2. Funerals cost a pretty penny

                      The average cost of a funeral is around $6000 and if your family doesn’t have an emergency fund this will hurt like childbirth. It wouldn’t be nice to have people standing around your coffin, quibbling over money while you are waiting to be buried now would it? Not classy…

                      3. Your family might miss your amazing money-making skills

                      If you do happen to be in a well-paid job, your family are not only going to miss you but they are also going to miss your money and the lovely lifestyle you were providing them. Should Bob really have to miss out on those facials he so loves? And what if Missy wants a new toolbox from Bunnings with all the tradie trimmings? She should have it!

                      4. You might like the house, but you won’t like the mortgage

                      If you happen to be in debt it would also not-be-so-nice to leave your loved ones with mortgage payments or those hefty high-interest payments on that flash 4WD you put on the credit card when you had that mid-life crisis – would it?

                      No. An act like that just isn’t very nice.

                      5. Your kids will miss out on Ski and beach adventures

                      Then there are the kids. Personally I wouldn’t want my kids working three jobs while trying to go to lectures at Uni like I did. It would be nice if they could actually get to the lectures, learn something other than how to skip class and then go off in the summer holidays with their rich friends to Ski resorts and exotic beach locations – like I never got to do. Poor me…

                      Although – working this hard did make me a better person in the long run. I leave you to ruminate on that one…

                      6. Whole generations might not remember you well

                      Who would pay for all the expenses related to your kids?

                      Trust me, they look like little diamonds and that’s because they’re not cheap!

                      As for your parents?

                      Hopefully – they took care of you in their own ‘big picture.’ But if they didn’t, and they spent your inheritance and their entire Super Fund on a trip down the Rhine before venturing home broke, you might need some money for them too!

                      7. You’ll miss out the perfect parting bash

                      If you love a party you may want to pay for an outstanding funeral for yourself. If you are going to go – you might as well do it with a bang! Right?

                      Give them an event to remember you by.

                      I’m thinking Fireworks, near a river before they throw my ashes in…hmmm

                      8. Life’s too short to make everyone around you broke

                      Surely, you wouldn’t want to be remembered as the person who made everyone’s life hell after you left – would you?

                      I guess it depends how much you like your friends and family.

                      If you don’t want to upset people and you invest in life insurance – everyone will be sad at first and then really happy! They’ll think they’ve won the lotto!

                      But they would miss you…

                      Mainly they’d miss you in those quiet moments like in the car, when they realise they forgot to grab the wallet-filled-with-cash-you-gave-them before leaving home!

                      9. You’ll sleep better at night

                      Finally – peace of mind is well worth the money. You’ll sleep better at night knowing everyone will be OK in the unlikely event of your untimely death.

                      So don’t get morbid about death! Invest in life insurance and plan your loved ones a nice big party to remember you by!

                      If you are interested in taking a leap of faith and putting money on your life, be sure to compare life insurance policies to get the best deal.  

                       

                       

                       

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