Let’s talk about something many people don’t want to think about—until it’s too late: what happens to our loved ones if we’re no longer here?
We’ve seen it too many times. A tragic event happens. A family is left heartbroken—and financially unprepared. Suddenly, a GoFundMe page pops up, asking friends, coworkers, and strangers for help covering funeral costs, debts, or supporting the children left behind.
But here’s the truth:
GoFundMe is not a financial plan.
It’s a last resort.
It’s unpredictable.
And it’s not guaranteed.
The Harsh Reality
In Canada, the average funeral can cost anywhere from $10,000 to $15,000—and that doesn’t include other expenses like unpaid debts, mortgage balances, or income replacement.
When a loved one passes unexpectedly and there’s no life insurance in place, the financial burden falls on the family left behind. And in most cases, they are already juggling bills, rent, and responsibilities.
Here’s where GoFundMe comes in. Yes, it’s a platform built to help people in difficult times. But let’s be honest:
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Not every campaign goes viral.
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Many fall short of their goals.
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And the process of asking for money while grieving can be emotionally draining.
Life Insurance: The Love Letter You Leave Behind
Now let’s talk about life insurance.
It’s not just about money—it’s about protection, preparation, and peace of mind.
It’s one of the most selfless things you can do for your family. A plan that says:
“If anything happens to me, you won’t have to worry about money. Focus on healing, not bills.”
With life insurance:
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Your family receives a tax-free lump sum benefit.
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You can ensure your children’s future is secure.
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You can cover debts, rent or mortgage, and funeral expenses.
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You remove the need to ask for help publicly during a private time of grief.
Let’s Be Real
If you can afford Netflix, Tim Hortons runs, or eating out once or twice a week—you can afford basic life insurance coverage.
And if you’re the breadwinner, or someone depends on your income—you can’t afford not to have it.
It’s not just about “if you die”—it’s about what happens to the life you built, and the people you love, if something happens to you.
The Wake-Up Call
We don’t buy insurance because we’re going to die—we buy it because our families are going to live.
And they deserve more than just hope and hashtags.
They deserve security, dignity, and a future.
So, let this be your wake-up call.
Don’t wait for a tragedy to remind you of what could’ve been done.
Start planning today.
Ready to take the first step?
Let’s talk about a plan that works for you and your family—without breaking the bank.
Book an appointment today to discuss your financial goals and learn how insurance can play a vital role in your journey. Visit marymorales.ca to schedule your consultation.