{"version":1,"type":"rich","provider_name":"Libsyn","provider_url":"https:\/\/www.libsyn.com","height":90,"width":600,"title":"Your Spouse Dies \u2014 Now What? The Life Insurance Gap Nobody Warns You About (Ep. 270)","description":"What happens to your family the day you're gone \u2014 not financially, but humanly? \ud83d\udc49 Follow Mary Jo Here: https:\/\/www.youtube.com\/channel\/UCXYvzroUouEMsTGKFw5nJHQ \ud83d\udc49 Get the book: https:\/\/www.withoutthebank.com\/book In this episode, I share what I learned after delivering my first death claim, and after seeing what widows are saying on social media about the reality of losing a spouse. "Widow brain" is real \u2014 the brain fog, the inability to concentrate, the struggle to return to work. FMLA may only give you 3 days to grieve. And that $100,000 life insurance policy? It might not even cover two years of bills. So, how much life insurance do you need? Whether you can afford whole life or only term right now \u2014 get enough life insurance to give your family at least two years of cash flow. Two years to grieve. Two years to figure it out. Two years without having to sell the house or go back to work before they're ready.This episode is a wake-up call for anyone who's been putting off life insurance or lowballing their death benefit. Don't wait until it's too late. 0:30 \u2013 The "TikTok Algorithm of Widows" \u2014 what I learned 1:30 \u2013 FMLA and the 3-day grieving reality 3:00 \u2013 "Widow Brain" \u2014 why surviving spouses can't just go back to work 4:00 \u2013 How adequate life insurance lets widows quit and mourn 5:00 \u2013 My first death claim changed my perspective 7:00 \u2013 "She doesn't need much coverage" \u2014 why that's dead wrong 8:30 \u2013 FMLA limitations and employer compassion gaps 10:00 \u2013 How a parent's death affects children's grieving 11:00 \u2013 Why $100K isn't enough \u2014 you need 2 years of cash flow 12:00 \u2013 Only 2 out of 75 widows mentioned life insurance 13:00 \u2013 It's about priorities, not affordability 13:30 \u2013 A friend's tragic story: widowed at 31 16:00 \u2013 Why spouses need to be involved in the finances 17:00 \u2013 Final call: the death benefit matters as much as cash value \ud83d\udcd8 Books Mentioned: \u2192 Life Without the Bank \u2192 Becoming Your Own Banker by Nelson Nash \ud83d\udc49 Get them here: https:\/\/www.withoutthebank.com\/book  \ud83d\udce7 Questions? Reach us at maryjo@withoutthebank.com  \ud83c\udf10 Learn more at http:\/\/www.withoutthebank.com  ","author_name":"Without the Bank Podcast","author_url":"https:\/\/withoutthebank.com","html":"