Have You Taken Care of Your Business?

Two young friends of mine have died this month. And I am very sad. They both were in their 30's. Both died tragically. This touched a nerve in me because our two daughters are in that age group. One of my friends, "Shon," left a husband and three young children to mourn her loss. She was attending a church picnic where she collapsed and was not able to be resuscitated. My other friend, Damon, was seriously injured in an accident on Father's Day. He was riding his motorcycle near his home when a car hit him. After being in intensive care for several days, he was released and went home, only to pass away the next day. Mourning Damon is his few weeks old first born child Isabelle and his wife. As a father the worst thing to me is to have to bury a child. It's not meant to be that way. As an insurance and financial advisor I wonder whether their financial affairs were in good shape so that their loved ones could live in dignity. Is there adequate life insurance to cover funeral, medical and other final expenses? Is there an emergency fund to continue to meet family expenses until things can be settled and checks issued? Is there enough insurance to pay off the mortgage so that the surviving spouse will not have to be worried about keeping a roof over her and the children's head? Was money being put into a college fund for the child(ren)? In other words will the family left to grieve and try to pick up the pieces of their life be able to say that my husband (wife), father(mother) loved me enough to have taken care of business? I pray and hope so.