When Everything Stops

By: Joan Diaz

You never thought you’d be the one canceling meetings, calling in to work with a shaky voice, saying, “My child is sick. I won’t be in today.” You always imagined you'd be the strong one—the provider, the planner, the one who keeps things moving. But when your child gets seriously ill, everything stops. The world doesn’t pause for you, but you pause for them. Because nothing else matters.

You sit beside their hospital bed, watching their chest rise and fall, counting breaths like prayers. You haven’t showered. You haven’t eaten. You haven’t thought about deadlines or bills. But they’re still there—lurking in the background, waiting to pounce the moment you step outside.

And that’s when it hits you: you never insured your child. Because why would you? They don’t have a job. They don’t pay bills. They’re just a kid. You told yourself it wasn’t practical. You told yourself it wasn’t necessary.

But then you hear Scott’s story.

When Scott was a child, his father quietly purchased a $10,000 permanent life insurance policy for him. Not because he expected tragedy—but because he believed in preparing for the unknown. Over the years, that policy grew. Dividends reinvested. Coverage expanded. And now, decades later, it’s worth over $30,000—and still growing.

Scott’s father only paid premiums for 20 years. After that, the policy was fully paid. Today, it protects Scott’s own family. In the future, it could help his son. And maybe one day, his grandchildren. All because one parent made a quiet decision that would echo across generations.

That’s when you understand: child insurance isn’t about them having responsibilities. It’s about you having the space to be fully present when they need you most. It’s about covering lost income when you miss work. It’s about affording treatments that aren’t covered. It’s about not having to choose between being at their bedside and keeping the lights on at home.

And in the worst-case scenario—the one you can’t even bear to say out loud—it’s about giving yourself permission to grieve without worrying how you’ll pay for a funeral. It’s about healing without pressure.

What surprises most parents is how affordable child insurance actually is. For just a few dollars a month, you can secure a policy that grows with your child—and gives you peace of mind. And if you’re considering coverage, don’t overlook critical illness insurance. It’s designed to help families cope financially during serious diagnoses, when time off work and unexpected costs become unavoidable.

You wish someone had told you that before. You wish someone had said, “This isn’t about expecting tragedy. It’s about protecting your ability to show up when it matters most.”

So now, you’re that someone. You’re telling other parents: insure your child. Not because you expect the worst, but because you love them enough to prepare for it. Because when everything stops, you’ll want one less thing to worry about.

💬 Let’s Talk

If this story resonates with you, and you’re wondering where to begin—let’s connect. Whether you have questions, concerns, or just want to explore your options, I’m here to help you make sense of it all. With access to multiple trusted insurance companies, I can help you find the best-fit coverage for your needs.

📩 Reach out anytime to start the conversation. No pressure. Just clarity, compassion, and a commitment to helping you protect what matters most.

Joan Diaz | Licensed Financial Advisor

jdawis@yahoo.com; (587) 429-7816

or Leave Us a Message