“It Will Never Happen to me”

The Cost of Financial Unpreparedness

Life is unpredictable. Yet, many of us live under the illusion that tragedy and hardship are things that happen to “other people.” We tell ourselves, “It will never happen to me.” But what if it does?

As a seasoned Financial Services Professional, a mother, and a grandmother, I have seen and felt firsthand how life can change in an instant. The difference between devastation and resilience often comes down to one thing: financial preparedness.

The Common Objections to Mortgage Protection

Many people believe they don’t need financial or mortgage protection. The common excuses?

• “I’m young and healthy.”

• “I have savings.”

• “My family will help me if something happens.”

• “I can’t afford it right now.”

But the truth is, life’s greatest challenges don’t wait until you’re financially ready. And once disaster strikes, it’s too late to prepare.

The Importance of Financial Security

Financial security is not a luxury—it’s a necessity. Mortgage protection, life insurance, income protection and critical illness cover aren’t just policies; they are safety nets that keep families afloat when the unexpected happens.

Without these safeguards, families can lose their homes, struggle with bills, or fall into financial ruin after a sudden tragedy. The peace of mind that comes with financial preparedness is priceless.

When the Unexpected Becomes Reality

I once believed that tragedies were rare, distant possibilities. But over the years, my family has faced heartbreaking losses and challenges that shattered that illusion:

• My 28-year-old brother-in-law died suddenly from an asthma attack, leaving behind a pregnant widow.

• My 10-month-old nephew was born with severe medical conditions, resulting in paralysis, blindness, and lifelong tube feeding.

• His mother, my sister-in-law, later passed away from breast cancer at just 42 years old.

• Another sister-in-law lost her life to Mad Cow Disease (CJD)—a rare and devastating illness.

• My adored first granddaughter was born with Gastroschisis, a serious birth defect requiring extensive medical care.

• Most recently, my beloved 35-year-old son was diagnosed with brain cancer.

Each of these moments reinforced a painful but necessary truth: “It will never happen to me” is an illusion.

The Reality of Unpredictability

Life can change overnight and devastate families. A sudden illness, an accident, or an unexpected death doesn’t just bring emotional devastation—it brings financial turmoil.

The question is not if something unexpected will happen, but when. And when it does, will you be prepared?

Financial protection isn’t just about money—it’s about security, stability, and the ability to weather life’s storms without losing everything you’ve worked for.

Final Thought

No one likes to think about worst-case scenarios but ignoring them doesn’t make them any less real. The belief that “it will never happen to me” is both dangerous and financially naive.

If there’s one thing I’ve learned, it’s this: Being financially prepared is crucial to easing the burden when the unexpected happens.

Because when life changes in an instant, the last thing you should have to worry about is how to keep your home, pay bills, or provide for your family.

Protect your future. Protect your family. Because “it will never happen to me” is never a guarantee.

Copywrite of Mortgages with joy Ltd

3rd April 2025.