My dad's life insurance completely changed my life, and when I saw the impact it made I immediately bought a policy of my own

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In a matter of four years, I lost both my mom and dad. After my mom died, my dad made me the beneficiary of his life insurance policy.

At the time of my dad's death, I could afford the ticket out to say goodbye but not much else. The payout from his life insurance allowed me to buy my first home, and completely changed my life.

When I saw what life insurance could do, I bought a policy of my own to protect my wife.

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On Halloween morning 2013, I received the first in a series of three calls that would change my life forever. It was early, around 7 AM, and receiving calls from family members at that hour is never good news, unless it's your birthday. This wasn't my birthday. This was the morning I found out my mom had died.

I had missed the call, but when I checked my phone and saw a voicemail from the contact entry labeled Mom & Dad, my stomach dropped. My body could feel the news I was about to learn, well before I returned that call.See the rest of the story at Business InsiderNOW WATCH: A podiatrist explains heel spurs, the medical condition Trump said earned him a medical deferment from VietnamSee Also:5 ways to leave your family money outside of your willWhen I became my parents' caregiver, spending less than 20 a month on life insurance was a no-brainerAs a gay couple, our life insurance protects us even if the courts take away our right to be married

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