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Life Is Unpredictable. Are You Prepared? What If, Something Happens to You Suddenly?

Self improvement is an ongoing process throughout the journey of life. Chitrangada likes to share her beliefs and experiences to help others

Life is so unpredictable. Are you prepared?

Life is so unpredictable. Are you prepared?

Life is unpredictable. Are you prepared?

Life is unpredictable. Are you prepared?

Life Is So Uncertain and Unpredictable.

Everyday, we make plans for our future. We generally, avoid to think about the vulnerability of human life. But the fact remains, ‘Human life is vulnerable.’

What if, something happens suddenly?

It could be an accident, a natural disaster, or a manmade disaster.

Are we prepared for it?

Have we made sure, that our families may not face any hardships, at least some financial crisis, after the close ones have passed away?

Some of these thoughts were bothering me, and thus this article.

Quotes:

If a child, a spouse, a life partner, or a parent depends on you and your income, you need life insurance.

~~~Suze Orman

Life is so unpredictable. Don’t waste a single minute.

Life is so unpredictable. Don’t waste a single minute.

What If Something Unthinkable Happens To You, or Your Close One?

  • Life is so unpredictable and most of us are not organised enough, to face the contingencies, and their consequences.
  • Men or women, whether young or old, do not want to discuss, or prepare, for the passing away of themselves or their close ones, at any stage of their lives.
  • These days, there is an increase in diseases, caused by faulty lifestyle as well, which may lead to serious life threatening diseases, or even sudden death.
  • As we age, there may be illnesses, which leave us too weak, to remember things correctly, such as memory loss. We may not be physically strong enough, to do everything by ourselves. It’s important to share the details that matter, with the trusted ones, before it’s too late.
  • There is no doubt, that people are working round the clock, to earn good amount of money, to make their lives better and save for the future as well. But isn't it important, to devote sometime, to document those earnings and savings, if 'God Forbid', something adverse happens to them?
Share your passwords with your trusted ones

Share your passwords with your trusted ones

Please Do It Now.

Make a Diary or note it down on a notepad and keep it safely:

  • Sit down, along with your spouse or whoever is the closest to you, but it should be the adults of the family.
  • Write down, the important details of your finances, savings, investments etc. For example, movable or immovable property.
  • This may include your land/ bungalows/ flats and cars/ two wheeler vehicles and others.
  • Make organised files, of the original certificates, of the ownership of these properties, as well as their Xerox/ duplicate copies.
  • Also, attach the files of the Loan papers (if any), and their payment receipts. Include each and every details, regarding your property, and also make someone your 'nominee.'

Bank accounts and other Savings and Investments details:

  • In another section, note down the details of your bank accounts and other savings details.
  • There can be an individual account or joint account of the family members. In any case, there is always an option, to name your nominees, in your bank accounts.
  • Since most of us operate, through online transactions nowadays, it is important to share passwords, with your joint account holder.
  • It‘s wise, not to write the passwords, in the diary but there are other ways, to share passwords, with your close ones, which only both of you know and remember.
Have you written your Will ?

Have you written your Will ?

Life insurance is important

Life insurance is important

Have you written your ‘Will’?

Write your ’Will’:

  • Whether young or old, if you are an earning member of the family, and you have children and elderly parents dependent upon you, it‘s wise to write your 'Will'. You can take expert legal advice, in this regard, about how to do it.
  • The most irresponsible thing, which we can do to our families and our loved ones is, to not be prepared ourselves.
  • It‘s important, to ensure that we have designated someone, whom we can trust our valuable assets.

You can safely keep your documents Online:

  • There are easily available online mobile apps, to safely keep your passwords, which can be available to your nominee, or the next of kin, in case something happens to you suddenly.
  • I am a bit apprehensive about this, and not sure but the tech. savvy young generation, vouch for this.
  • A Google search can lead you to many such options. But it’s advisable to get properly educated, and informed by the experts, before going for these apps.
  • This is one of the most needed and important act of love and blessings, you can give to your close ones, for whom you care.

Life Insurance:

Most of us do get Insurance for the Life, and appoint our nominees as well.

Document the original Life Insurance Policy, and pen down the details. This should include the commencement and maturity dates of the Insurance policy, which you have taken.

In addition, note down the premium amount and the period/ date/ month, when it is to be paid, and share it with your trusted one.

Insurance is necessary

Insurance is necessary

To Conclude:

  • Life is so uncertain!
  • Can we ignore this truth?
  • Can we deny it?

We can live in some dream World, where we refuse to think about it. But can we change the reality, that it will happen to everyone, including me?

Most of us, may even have such situations in life, other than the passing away, in which we will need help, in handling our financial, legal, and medical affairs.

It’s better to be prepared than sorry!

Think it over and act now.

EVault and Recovery Review, source: You tube

Writing a will online, source: You tube

This content is accurate and true to the best of the author’s knowledge and is not meant to substitute for formal and individualized advice from a qualified professional.

© 2015 Chitrangada Sharan

Life is uncertain! Are you prepared? Please share your views in the Comments section.

Chitrangada Sharan (author) from New Delhi, India on May 26, 2018:

Thank You RTalloni, for sharing your thoughts on this subject.

Appreciate your visit and comments. Always a pleasure to hear from you.

Have a great weekend!

RTalloni on May 25, 2018:

Indeed, none of us are promised another breath and it is wise to live with that understanding. Putting our earthly affairs in order is crucial for the sake of our loved ones. Naturally, this causes one to ponder that inevitable step out into eternity. I am thankful to know both the warnings and the good news of Jesus the Christ that God has preserved for us in His Word.

Chitrangada Sharan (author) from New Delhi, India on December 10, 2017:

Thank You Tamara for your thoughtful comments! I am glad you liked the article. Life is so unpredictable, always moving at a fast pace, and sometimes I feel, I have so much to do—-.

I really like the idea of being minimalist.

Many thanks for reading and sharing your thoughts on this subject!

Tamara Yancosky on December 09, 2017:

Chitrangada,

Thank you for this Eye-Opener! Yes, it’s very wise to never get “too comfortable”. Life is always changing. This is one of the reasons why I’m a Minimalist. There is simply not enough time for too much “stuff” :-)

Hugs & Love,

Tamara

Chitrangada Sharan (author) from New Delhi, India on October 18, 2017:

Thank you Sukhdev Ji for your valuable comments and positive feedback!

I appreciate that you understand the importance of this article for everyone. We normally don’t want to discuss these issues although in our hearts, we know how urgent it is.

Thanks again for reading and appreciating the article!

srsddn from Dehra Dun, India on October 17, 2017:

Quite thought-provoking, Chitrangada. Death is inevitable but has remained a taboo to discuss. My experience is that any discussion on the issues raised by you are normally frowned upon by family members. But I think it is absolutely necessary to act and settle most of the issued raised well on time. Thanks for reminding me, in fact.

Chitrangada Sharan (author) from New Delhi, India on May 05, 2017:

Thank you Peg Cole for reading and appreciating the hub!

I am glad you found this topic useful and informative.

It's so thoughtful of you and your Mother to have already taken the necessary steps in this regard. I agree as we age we may have memory issues. Sooner it is done it is better.

Many thanks for your positive feedback and comments! Have a blessed day!

Peg Cole from Northeast of Dallas, Texas on May 05, 2017:

These are important considerations for everyday living. We were just talking the other day about updating our wills. Thankfully, my mother and I went to an attorney a dozen years ago to itemize what would happen to her assets. Now that she has memory issues, it's a good thing all that is in writing. Thanks for sharing this thought-provoking advice.

Chitrangada Sharan (author) from New Delhi, India on March 02, 2016:

Thank you PeggyW, for reading and commenting on this hub!

Yes making a Will is so important and it is so thoughtful of you and your husband that you have made the living wills as well.

Most of us may even face such situations in life other than passing away, in which we need help in handling our financial, legal, and medical affairs. Its better to be prepared.

Thank you for appreciating and sharing!

Peggy Woods from Houston, Texas on March 01, 2016:

This is so very important! I am continually amazed at people who keep putting off this job. My husband and I have not only our wills, but living wills in place. The latter is equally important. Happy to share this hub with others.

Chitrangada Sharan (author) from New Delhi, India on December 09, 2015:

Thank you Devika! It is always a great pleasure to read your comments! You are right, living in the present is so important!

Thank you and have a good day!

Devika Primić from Dubrovnik, Croatia on December 09, 2015:

Life should not be taken for granted and enjoy each moment. The present is so important. The greatness in this hub shows me to be prepared.

Chitrangada Sharan (author) from New Delhi, India on October 16, 2015:

Thank you Padmajah for revisiting this hub! I feel honoured by your such generous comments and appreciation of the hub. Really glad to learn that this hub is helpful to you.

Wish you happiness always and all the best! Thank you for your support.

Padmajah Badri from India on October 15, 2015:

Chitragadha ..This hub is most powerful one and it sends a strong message to all the people who prioritize their family as first.I make it a point to read this hub whenever I sense small uncertainty and it helps me to plan for the next actionable step.Wishing you good luck and requesting you to write more on similar topics.Happy Writing!

Chitrangada Sharan (author) from New Delhi, India on October 14, 2015:

Thank you Jodah, for reading and commenting on this hub!

I feel so sorry for your friend. It is really unfortunate to happen this to someone.

Life is really very uncertain. We can live in some dream World where we refuse to think about it but can we change the reality that it can happen to anyone.

Most of us may even have such situations in life other than passing away, in which we need help in handling our financial, legal, and medical affairs. Its better to be prepared.

Thank you again!

John Hansen from Queensland Australia on October 13, 2015:

This is a very important and useful hub Chitrangada, and I really needed to read it right now. A close friend of mine told me a month ago he found out he had lung cancer and he was going to the city for tests. I was told three days ago that he had passed away.

He was only 57 years old, and died within a month of finding out he had cancer. This was too close to home I need to make sure I take your suggestions as have everything prepared because nothing is certain. Thank you for sharing.

Chitrangada Sharan (author) from New Delhi, India on July 18, 2015:

Thanks peachpurple, for stopping by and commenting!

peachy from Home Sweet Home on July 17, 2015:

Add Your Commenope, i haven't made my will yet

Chitrangada Sharan (author) from New Delhi, India on June 15, 2015:

Thank you Deb Hirt, for reading this article! I am glad you understand the necessity of 'being prepared'. Thank you for commenting and sharing this hub!

Deb Hirt from Stillwater, OK on June 14, 2015:

As unpleasant as this is, it must be discussed if you have family. Everything must be properly set up and available to next of kin. This is a great article that must be shared, far and wide.

Chitrangada Sharan (author) from New Delhi, India on May 20, 2015:

Thank you sriv, for your kind visit and positive comments!

Glad you understand the importance of this subject. Thanks!

Parul Srivastava from Lucknow,India on May 19, 2015:

Life is so uncertain.Good tips on preparing ourselves in case something happens to us.

Chitrangada Sharan (author) from New Delhi, India on May 19, 2015:

Thank you Deergha, for your lovely comments on this hub!

I am glad you understand the importance of 'being prepared' and have organised everything in this regard. Nowadays I can see more and more people conscious about this and this is very thoughtful of them.

Many thanks for voting up and sharing this hub. Wish you all the best and good day to you!

deergha from ...... a place beyond now and beyond here !!! on May 18, 2015:

Very useful and practical hub dear friend. Keep up the good work. Voted up and shared.

Apart from the will I have almost done other parts as you have systematically put out above. I am maintaining a detailed spreadsheet with all my investment plan and take a print and keep in our common drawer so that it is available in case of an emergency with a periodic update with all changes.

Thank you for many other inputs.

Take care and have a nice day ahead.

Deergha

Chitrangada Sharan (author) from New Delhi, India on April 27, 2015:

Thank you Thelma Alberts, for reading and commenting on this hub!

I am glad you found this useful and many thanks for voting up and sharing on FB.

With regard to the Earthquake that happened in Nepal and some parts of India day before yesterday, leading to vast devastation and destruction of life and property, I wonder how should we define the word, 'sudden' or 'prepared'.

Thanks again!

Thelma Alberts from Germany and Philippines on April 24, 2015:

Great advice. I have been planning to do some of what you have mentioned above but until now I haven´t. Thanks for reminding me. Voted up, useful and shared to fb.

Chitrangada Sharan (author) from New Delhi, India on April 21, 2015:

Thank you denise.w.anderson, for your kind visit and positive feedback!

I am glad that you understand the necessity of this hub. We are not getting any younger and this applies to everyone.

The real problem starts for close relatives, when something happens suddenly. Non availability of such details can add misery to the emotional trauma.

Your insightful comments has further added strength to this hub.

Thank you!

Chitrangada Sharan (author) from New Delhi, India on April 21, 2015:

Thank you MsDora, for appreciating this hub!

Yes I was a little apprehensive while writing on this subject, as to how readers will take it. But I am satisfied with the response.

And you are right, children would not like to talk about it, but this will make things easier for them.

Thanks for your positive feedback!

Chitrangada Sharan (author) from New Delhi, India on April 21, 2015:

Thank you manatita44, for your kind comments!

Glad you found this hub useful. The whole purpose of this exercise is that our loved ones should not face any problem, especially regarding bank accounts, passwords, Insurance claim etc.

Thanks again!

Denise W Anderson from Bismarck, North Dakota on April 20, 2015:

I work for a fellow who does this type of planning for farmers and ranchers and have seen firsthand what happens when people are not prepared! Since then, my husband and have created a portfolio with our documents, as well as having a master list of all accounts, passwords, etc, kept in a safe place. We feel like we are a step closer now than we used to be!

Dora Weithers from The Caribbean on April 19, 2015:

I've started Chitrangada; but you encourage me to finish. My children refuse to talk about it, but I know its in their interest. Thanks for your very bold but useful presentation.

manatita44 from london on April 19, 2015:

Well, my sweet Friend,

I have made a Will. Not much in it, but perhaps I will get a wooden box. :) Interesting article and worth pondering upon. Your man Eckhart Tolle says that all we ever have is the Now, so yes, anything can happen. A Hub worth thinking about. Peace.

Chitrangada Sharan (author) from New Delhi, India on April 18, 2015:

Thanks Nell Rose, for reading and commenting!

Appreciate your stopping by, votes and support! Glad you liked it!

Chitrangada Sharan (author) from New Delhi, India on April 18, 2015:

Thank you Dim Flaxenwick, for your kind visit and comments!

Glad you liked this hub. Thanks!

Nell Rose from England on April 17, 2015:

Great advice, and something that everyone should do whatever their age, voted up and shared! nell

Dim Flaxenwick from Great Britain on April 17, 2015:

Excellent reminder of how fragile life is. No one is bulletproof. You make many good points that concern all of us.

Chitrangada Sharan (author) from New Delhi, India on April 16, 2015:

Thank you travmaj, for your kind visit and comments!

I am satisfied that this article has spread some awareness. Although while writing, I was a little bit apprehensive of this as to how people will take it.

Many thanks for your positive feedback!

Chitrangada Sharan (author) from New Delhi, India on April 16, 2015:

Thank you Venkatachari ji, for reading and commenting on this hub!

I am glad that you found this hub useful.

I truly believe that life is unpredictable and we must be prepared to deal with such situations.

Thanks for voting up and sharing on G+.

Chitrangada Sharan (author) from New Delhi, India on April 16, 2015:

Thank you Faith Reaper, for your insightful comments!

I was a little uncertain and apprehensive to write on this subject. But I am satisfied to see the great responses and valuable feedback such as yours.

Your comments will make many people aware to take steps in this direction.

Many thanks for your valuable comments, votes and share!

Chitrangada Sharan (author) from New Delhi, India on April 16, 2015:

Thank you MarleneB, for your kind comments!

I am pleased to know that you liked the subject of this hub. This is indeed very important to make a 'Will.'

Your feedback and support is always appreciated. Thank you!

Chitrangada Sharan (author) from New Delhi, India on April 16, 2015:

Thank you Padmajah Badri, for your kind visit and comments!

Glad you liked this hub. As a mother and as a woman I understand your sentiments. I believe women have the most important role to make their families aware about this.

Many thanks for your appreciative comments!

Chitrangada Sharan (author) from New Delhi, India on April 16, 2015:

Thank you Harishprasad ji, for reading and commenting on this hub!

Glad you liked the subject and understand the importance of it. I really feel that life is very unpredictable. We keep on making plans as if we are here forever.

I feel humbled by all your appreciative words. Many thanks!

Chitrangada Sharan (author) from New Delhi, India on April 16, 2015:

Thank you Kylyssa, for your kind visit and comments!

Your comment is informative for me, because I didn't know that there are rules like this regarding the 'remains.'

In India usually people are cremated. Though it is important and legal to get the death certificates made.

Appreciate you for sharing your personal experience about your father and your insightful comments.

Thanks again!

Chitrangada Sharan (author) from New Delhi, India on April 16, 2015:

Thank you billybuc, for your kind visit and your comments are always appreciated!

Glad you found this hub useful.

travmaj from australia on April 16, 2015:

Oh my, how easy it is to put this off. A great reminder and important information, I will now apply myself to the task. Time passes so quickly and no matter what age we are we can convince ourselves we are invincible. Thank you again for this important reminder.

Venkatachari M from Hyderabad, India on April 16, 2015:

Very important and useful topic. You have correctly stressed the need for it. It should be of much help to all those who really care for their dears.

Voted up and useful. Sharing on G+

Faith Reaper from southern USA on April 15, 2015:

Important topic and great insight as to the uncertainly of life, for none are guaranteed a tomorrow. This may sound a bit morbid, but my husband and I have a black file that we call our "Death" file, and it has all the information in it, as you have sighted here, plus details on our funerals and burial if we both go at the same time in an accident or whatever. We have told our children about it and where it is located, with all the important phone numbers to contact and such. We believe it is a great help to those who maybe mourning loss of a family member and are not thinking as soundly as they should, and this would help one go through the necessary details if something should happen.

Up Interesting and useful, tweeting and pinning

Blessings

Marlene Bertrand from USA on April 15, 2015:

I like the quote you shared, "They say people protect what they love, so what are you insuring?" What we protect says a lot about who we are and what we value. Your tips for protecting what is valuable is all very useful and reminds me that I need to write out a will.

Padmajah Badri from India on April 15, 2015:

Very thoughtful topic.You have clearly explained the degree of uncertainty and the outcomes.Being a mother ,wife I think this is important for every woman.Hats off to you ..

Harish Mamgain from New Delhi , India on April 15, 2015:

A great advice that must be heeded to by everyone who cares about his/her loved ones. You have such an wholesome approach toward this unpredictable life. I salute you for this farsightedness.

Kylyssa Shay from Overlooking a meadow near Grand Rapids, Michigan, USA on April 15, 2015:

Also, at least in the United States, you should document what you'd like done with your remains, sign it yourself, get your children, siblings, and spouse to sign it in front of a notary and have the document notarized. Also, store it with the official death records of any children, spouse, or siblings that may have pre-deceased you.

My father had written down that he wanted to be cremated and he'd talked about it for decades, but when he did die, money plus his wishes weren't enough to get him cremated. We needed to provide notarized releases from all close relatives and proof that my mom was deceased, resulting in a delay in his cremation.

Bill Holland from Olympia, WA on April 15, 2015:

All good advice my friend. This is something we definitely need to do soon.