Stability in the Storm: Reviewing Insurance and Assets After Loss
In the wake of losing a spouse or family member, your world feels like it’s spinning. Y our natural instinct is to take charge, or shut down and the sheer volume of "what-ifs" can lead to decision fatigue. The first rule of stewardship in grief is this: Focus on stabilization, not speculation. Before you decide what to do with the house or where to move, you must identify and secure the resources that provide your "Four Walls." This starts with a clear, calm review of insurance, bank accounts, and retirement funds. 1. Life Insurance: Securing the Safety Net Life insurance is the "provision" your spouse worked for to ensure you wouldn't have to make desperate choices during a crisis. Find the Policies: Check home filing systems, safe deposit boxes, and look through bank statements for premium payments. If you’re stuck, use the NAIC Life Insurance Policy Locator . Initiate the Claim: You don't need a lawyer to do this. Call the claims department, ...