Rosie and Ricke's story
Modern Woodmen members: Rosie (quoted here) and Ricke Eagle
City: Elmwood, Illinois
Occupation: Retired nurse case manager (Rosie) and carpet store owner (Ricke)
Their Modern Woodmen representative: Dave Bergland, Glasford, Illinois.
Why is estate planning important? My folks did not prepare well. Their wish was for their farms to be sold and the proceeds divided among their three kids. They had wills, but nothing specific. It was a nightmare for my siblings and me. It did not end well. I swore to myself I would never do that to our children.
How is Modern Woodmen helping you with your estate planning needs? We needed some really good ideas about estate planning. Dave gave us the name of an estate planning attorney that several of his other members use. Dave also helped us with annuities and life insurance. And we set up 529 college savings plans for our grandchildren and annuities for our kids that we add to each Christmas.
We don’t worry about our future – or our kids’ or grandkids’ futures. There are no big pockets, but it’s enough to help them out. We’re prepared, and now we can have fun being retired!
Dave’s advice: An estate plan helps ensure what you want done gets done. Proper planning makes it easier for your financial representative to carry out your wishes and helps avoid potential arguments among those you leave behind. My best advice is to not procrastinate. And when working with an attorney, be sure to work with someone who specializes in estate planning. It can make a big difference.
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Whole life insurance
Whole life insurance helps protect your loved ones, providing tax-free money when you die, not just if you die during a specified time period. You can get peace of mind, knowing that your family is protected, and you can take advantage of cash value and other living benefits to help you plan ahead – no matter what life brings.