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What Life Insurance Taught Me About The Value Of My Life.

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I’d never bothered to insure my life, income or health. That fact right there says a lot about who I used to be. Then I changed super funds (okay stay with me) and was forced to renew the insurances that came with it.

Previously I had always had automatic insurance and never checked it, but this time around I had to do it all myself. Having the initial phone call was scary. The whole process of insuring myself against the dangers of the world taught me so much.

Here’s what I learned:

The process involves thinking about the worst situation.

Through the life insurance process, I had to think about the worst-case scenario.

What if:

– You get hit by a car
– Get cancer
– Die from a skiing accident
– Are disabled and have to have a nurse fulltime

The thing is that the worst case scenario can happen to any of us. We can’t let fear control our lives.

All of these things can occur and we should at least try and have some plan, but living in this state is unhealthy. The life insurance process was supposed to make me fearful. That’s what would ultimately make me spend my hard earned dollars and go overboard trying to cover every scenario.

Unfortunately, there are a thousand things that can happen to you and you can’t insure every one of them. Even if you get the insurance, they can always come back later and determine that you didn’t qualify – especially when it comes to medical related events.

By all means, take up life insurance. Just remember that there are no guarantees in life.

What is the value of your life?

The conversation went like this:

Insurance salesman: “So Mr. Denning how much would you like to insure your life for?

Me: “I have no idea. What does the average Joe insure themselves for?”

Insurance salesman: “Well it depends on a number of factors. I can’t advise you of that. You have to tell me a figure though and it’s got to cover all of your costs in case you become disabled, sick, unable to work or die.

Me: “Geez, that’s a big deal! Okay, I need to go now and procrastinate on this for a while.”

Putting a dollar figure on my life seemed normal at the start. Later on, I realized it was complete madness. Am I not worth more to the world than numbers on an Internet Banking Screen?

Reflecting on this conversation still makes me feel weird. There are so many unanswered questions. Life insurance, again, made me rethink what the meaning of my life is.

I have the life insurance process to thank for this miracle deep thinking I did on the days that followed.

You’re forced to contemplate death.

Having to think about the 101 ways there are to die is a worthwhile process. You start remembering (even though you already know) that your time on this planet is limited. In my opinion, the more reminders you get, the better.

You again are faced with the question “When I’m gone, what will I leave behind?”

Life insurance companies would like you to think that leaving a truckload of money behind should be your number one priority. Through the life insurance process, I again remembered that I want more than that. I’m hoping that everyone reading this also has a similar realization.

My gianormous aha-moment!

Life Insurance taught me that my life is not about me.

Okay I know you probably think I’m stating the obvious but this whole life insurance thing taught me this lesson in an entirely new way. The reason that I decided to take up a few insurances was not because of me.

The old me was selfish, a brat and didn’t give anything to anyone.

The new me wants to ensure that my priority is the people around me. You take up insurance to make the lives easier for the people you love. You take up insurance to support those around you in case of the worst happening.

Life insurance is not about you. Life insurance is about the people you care about.

Just like with insurance, your life is not about you. Your life is about something bigger than you.

“The aim of the life game is to transcend yourself. To go bigger than just you with your nice little white house, with white picket fence and box car”

The value of your life is about what it means to everyone else and the difference you can make. Your life is about inspiring, giving and being more than you ever dreamed you could be.

Your life is worth more than money.
Your life is part of a much bigger picture and I want you to realize that.

You’re here for so much more than money and success.

Again, you’re here for more than just you. That’s what life insurance taught me.

If you want to increase your productivity and learn some more valuable life hacks, then join my private mailing list on timdenning.net

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Life

How Learning the Skill of Hope Can Change Everything

Hope isn’t wishful thinking. It’s a state of being and a skill that has profound evidence of helping people achieve success in life

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Hope as a skill
Image Credit: Midjourney

Hope isn’t wishful thinking. It’s a state of being and a skill that has profound evidence of helping people achieve success in life.

Wishful thinking, on the other hand, is like having dreams in the sky without a ladder to climb, having a destination without a map, or trying to operate a jet-engine airplane without instructions. It sounds nice but is impossible to realize. You don’t have what you need to make it happen!

What Real Hope Is

Real hope is actionable, practical, and realistic. Better yet, it’s feasible and can be learned.

One popular approach is Hope Theory. This concept is used by colleges to study how hope impacts students’ academic performance. Researchers found that students with high levels of hope achieve better grades and are more likely to graduate compared to those with less hope.

Hope can be broken down into two components:

  1. Pathways – The “how to” of hope. This is where people think of and establish plans for achieving their goals.
  2. Agency – The “I can” of hope. This is the belief that the person can accomplish their goals.

Does Hope Really Work?

According to Webster’s Dictionary, hope as a noun is defined as: “desire accompanied by expectation of or belief in fulfillment.”

As humans, we are wired to crave fulfillment. We have the ability to envision it and, through hope, make it a reality.

My Experience with Hope

For 13 years, I was a hopeless human. During my time working at a luxury hotel as a front desk agent earning $11.42 per hour, I felt the sting of hopelessness the most.

The regret of feeling my time was being stolen from me lingered every time I clocked in. Eventually, I decided to do something about it.

I gave myself permission to hope for something better. I began establishing pathways to success and regained agency by learning from self-help books and seeking mentorship.

Because I took action toward something I desired, I now feel more hope and joy than I ever felt hopelessness. Hope changed me.

Hope Actually Improves Your Life

Wishful thinking doesn’t work, and false hope is equally ineffective. Real hope, however, is directly tied to success in all areas of life.

Studies show that hopeful people tend to:

  • Demonstrate better problem-solving skills
  • Cultivate healthier relationships
  • Maintain stronger motivation to achieve goals
  • Exhibit better work ethic
  • Have a positive outlook on life

These benefits can impact work life, family life, habit-building, mental health, physical health, and spiritual practice. Imagine how much better your life could be by applying real hope to all these areas.

How to Develop the Skill to Hope

As acclaimed French writer Jean Giono wrote in The Man Who Planted Trees:
“There are also times in life when a person has to rush off in pursuit of hopefulness.”

If you are at one of those times, here are ways to develop the skill to hope:

1. Dream Again

To cultivate hope, you need to believe in its possibility. Start by:

  • Reflecting on what you’re passionate about, your values, and what you want to achieve.
  • Writing your dreams down, sharing them with someone encouraging, or saying them out loud.
  • Creating a vision board to make your dreams feel more tangible.

Dreams are the foundation of hope—they give you something meaningful to aspire toward.

2. Create an Environment of Hope

  • Set Goals: Write down your goals and create a plan to achieve them.
  • Visualize Success: Use inspirational quotes, photos, or tools like dumbbells or canvases to remind yourself of your goals.
  • Build a Resource Library: Collect books, eBooks, or audiobooks about hope and success to inspire you.

An environment that fosters hope will keep you motivated, resilient, and focused.

3. Face the Challenges

Don’t avoid challenges—overcoming them builds confidence. Participating in challenging activities, like strategic games, can enhance your problem-solving skills and reinforce hope.

4. Commit to Wisdom

Seek wisdom from those who have achieved what you aspire to. Whether through books, blogs, or social media platforms, learn from their journeys. Wisdom provides the foundation for real, actionable hope.

5. Take Note of Small Wins

Reflecting on past victories can fuel your hope for the future. Ask yourself:

  • What challenges have I already overcome?
  • How did I feel when I succeeded?

By remembering those feelings of happiness, relief, or satisfaction, your brain will naturally adopt a more hopeful mindset.

Conclusion

Hope is more than wishful thinking—it’s a powerful skill that can transform your life. By dreaming again, creating a hopeful environment, facing challenges, seeking wisdom, and celebrating small wins, you can develop the real hope necessary for success in all aspects of life.

Let hope guide you toward a brighter, more fulfilling future.

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Life

The 5 Stages of a Quarter-Life Crisis & What You Can Do

A quarter-life crisis isn’t a sign you’ve lost your way; it’s a sign you’re fighting for a life that’s truly yours.

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what is a quarter life crisis
Image Credit: Midjourney

The quarter-life crisis is a well-defined set of stages—Trapped, Checking Out, Separation, Exploration, Rebuilding—one goes through in breaking free from feelings of meaninglessness, lack of fulfillment, and misalignment with purpose. I detail the stages and interweave my story below. (more…)

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Life

Here’s The Thing About Learning, Unlearning, and Relearning

Stop hoarding and start sharing your knowledge and wealth for the benefit of humankind

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sharing your knowledge
Image Credit: Midjourney

Few people have the habit of hoarding their wealth without spending.  However, it limits their motivation as they tend to get into their comfort zones.  When people start spending money, then there will be depletion in their coffers. (more…)

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Life

3 Steps That’ll Help You Take Back Control of Your Life Immediately

The key to finding “enough” is recognizing that the root of the problem is a question of self-esteem and deservedness

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How to build self worth
Image Credit: Midjourney

“It’s never enough.” (more…)

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