Making the Transition

Making the Transition

No one expects to meet the love of their life at age 11. But that’s how it unfolded for Jeanie Kazemier. Tom was her brother’s best friend growing up, but it wasn’t until college that things turned serious.

When they got married in their late 20s, they knew the fit was right. “Opposites attract,” says Jeanie. “Tom helped me become more focused and thoughtful. I helped him become more spontaneous and enjoy life.”

True to his role, Tom got Jeanie involved in their finances, which included getting life insurance. He wanted to ensure Jeanie and their children, Kennedy and Aiden, would always be OK financially.

Unimaginable Loss

And true to her role, Jeanie encouraged Tom to go on his yearly snowmobiling trip with friends, despite a full plate at work. He called her from that trip, saying he was having the time of his life. Tragically, that was the last conversation they had. He was hit by another snowmobiler, who was driving drunk, and was killed instantly.

The world collapsed for Jeanie and the kids. Grief overwhelmed them and Jeanie admits she felt lost. Thankfully, her insurance professional, Barb Pietrangelo, reassured her that Tom’s life insurance would help them make the immediate transition, paying for the funeral and ongoing bills and expenses.

Barb also helped put the life insurance proceeds to work for the long-term. It paid for mental health counseling so the family could cope with their grief. It covered private health insurance Jeanie now needed. And it set them up for the future so they could continue living in their home, and plan for college, retirement and even family vacations.

“Tom’s motto was: Be prepared. You don’t know what life will hand you,” says Jeanie. “Our situation now would be totally different if he hadn’t had life insurance. It’s a godsend that Tom had that forethought and planned for our future.”

El ABC de los seguros de vida

El ABC de los seguros de vida

View this video in English here.

En realidad, nadie quiere pensar en tener un seguro de vida. Pero si alguien depende de ti a nivel financiero, es un tema inevitable. Contratar un seguro de vida no tiene por qué ser difícil ni aburrido. Hay ciertas preguntas básicas sobre los seguros de vida que puedes hacerte para tomar decisiones informadas sobre cómo proteger financieramente a tus seres queridos.

It’s a True Financial Lifeline

It’s a True Financial Lifeline

Diligent, hardworking, civic-minded, a family man. These are all terms that Sara Mathews Dixon uses to describe her husband, Jay. And it was those qualities that made a great husband and father, and a dedicated police officer.

Like many young families, Sara and Jay found themselves juggling kids, school, work schedules, sports, meals and family time with sons Lorenzo, Anthony and Nico. But the couple relished their family life.

And it was Jay’s dedication to his family that also made life insurance a priority. “The kids were the most important thing in his life,” says Sara, and so they both purchased coverage in their late 20s, which included term life insurance, as well as permanent policies both for themselves and their children. They eventually converted a portion of their term insurance to whole life with their insurance professional, Richard Terhune.

A Turn of Fate

Jay was a lifelong athlete and spent time playing sports with his sons. But his active lifestyle couldn’t prevent a serious illness from damaging his heart, which eventually lead to a heart transplant.

After the operation, life returned to a semblance of normality for the Dixons. Then came the afternoon of January 4. The couple was at home with the boys when Jay appeared to have a seizure. Paramedics were unable to revive him, and he died at age 40. “My world exploded,” says Sara. “It’s been traumatic, especially for the boys, who are now 12, 10 and 5.”

But amidst all this, one thing she hasn’t had to worry about is money. “Jay’s life insurance has been a true financial lifeline,” she says. “It means we don’t have to move in with my mother or make any major changes right now after all that’s happened to us.”

Her advice to other parents is to consider life insurance early on, before health issues make it hard or impossible to get. “We don’t control the universe,” she says, “and you don’t know what’s going to happen down the line. Life insurance can keep you and your children in your own world.”

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