Reply to I have a terrible fear of dying young and leaving my kids behind before they grow up

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[quote=Anonymous][quote=Anonymous]I struggle with this also because I don't have a great choice for guardians for my kids. Best really would be family friends, and they've even offered, but we have local family and that feels so strange. But my inlaws are NOT interested in parenting again and my BILs family have very different beliefs from us and are really struggling (pre-COVID) to keep their heads above water with the family they have. I don't think my kids would be as loved or well cared for with their aunt/uncle than with our friends. But still so strange to give your kids to someone who isn't family. I just don't know what to do and it stresses me out.[/quote]

I chose a friend to be the named guardian.   I would not hesitate in your shoes with family friends that have offered and whom you think would be better than relatives.

I am grateful that my friend agreed and did not back out when I told her I had been rejected from term life insurance.   I agree with being as respectful as possible to potential costs but you can only do what is possible and 1 million individual term life insurance was not possible for me.  Still between my employer life insurance (maxed out the amount possible without medical underwriting) , retirement savings, and my child's social security survivor benefit hopefully will be enough even in their HCOL area.

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