I have a confession to make. I have not written my will.

I do not know what is stopping me – not the thought of invincibility because slowly I am finding out the truth and fact of my humanity. Not for lack of knowledge – I have drafted wills for others and other more complicated – and more sober (sobering?) – documents. Not for lack of having given it thought – because I have.

Then what?

Because writing a will is an emotional exercise and I am not sure if I can handle the enormity of it. It is half love letter, half goodbye letter, transmitting all of your hopes and dreams to people you hope not to leave behind too soon. It is a practical letter, an inventory of your life and what you have accumulated in terms of the material and the familial and the emotional. It has a potential to be controversial, leaving in its wake disappointments and tensions and conflicts that you no longer can put under control. It is a testament to what your life has been, to what you valued and continue to value. It is a last heave before you and your life and your words says caput.

And how do you say goodbye?

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Today, I learned about a different kind of investment and a different kind of bank.

What did the endorsers have to say?

Giselle Sanchez: “It is an investment just like bonds, stocks and savings.”

Anna-Lynn Salindong: “It is just like an insurance policy – a biological insurance policy.”

But I was not really thinking about investing and investments that day. I was going about my own way, staring at the wall of a clinic, when the wall stared back. On it was a message board and on the board was a poster of a cute baby.

It was a poster for cord blood banking.

Cord blood what???

And I was reminded that I kind of knew about it, a colleague in work having “banked” his baby’s cord blood in Singapore two years ago. All I know was that the expense was prohibitive. But I remembered too that my colleague, although sighing and murmuring about all that money he spent for it, thinks that he did good.

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Something bothered me.

I was looking at my financial duties for 2010, staring as far out as December, when the imminence of what I have to pay struck me: huge life insurance premiums.

Do you have the thought that sometimes you may have bitten more than you can chew?

Years ago, when I bought those policies, business was good and was not yet bogged down by recession woes. I felt I could do anything – be anything, buy anything. My financial planner convinced me of the wisdom of obtaining life insurance (my second attempt at it). For peace of mind, she said. And I did have it. I remember thinking while driving one day that my family will be okay if… But now, that same thing that gave me peace of mind is shattering it.

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Postscript: Man’s Inhumanity to Man

A crisis makes heroes and villains of people. While there are many stories of heroism, one cannot ignore horror stories of fastfood chains turning away people who wanted to use restrooms or who wanted to charge their cellphones (one gave an emphatic “no”, another charged a USD$3 fee), or those who pillage the houses of those hardest hit, or those who charged USD$500 at the height of the storm for the use of a rubberboat before a family can be brought to safety, or those selling (selling!) relief goods to those who cannot take another blow.

Please choose to be an angel during these times. And if you have employees, likewise instruct them to open your doors. The next life you save may that of someone you know, or yours.

I had my first life insurance policy when I was 21.  I did not think I needed it, death was furthest from my mind at that time.
But everyone was getting one (at the office, at least) and so I did too.  The bi-monthly deductions hurt (though it did not even reach the [...]

Not all insurance are created equal. While appearing equal, most appear to be bloody sharks, feeding on the murkiness of our ignorance. And sometimes, this is what they actually are, devouring the unsuspecting. But an enigma too, because their “numbers” could, at once, become flexible as if by magic. If you ask nicely. Okay, forget nicely. If you ask. There is something about knocking that opens doors.

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