When my husband suddenly died I broke down completely. My husband had a fatal accident at work. He left me and two children, aged 5 and 8. He also left me with debt and a house loan to pay off. For the first few weeks I was in such a trauma that I didn't even know what was going on. I was not even interested in what was happening to my children: whether they had anything to eat or what they wore for school. Actually, I didn't leave my bed. With the help of my friends and a therapist I recovered partially after a year. At the same time, my husband's brother and my financial advisor took care of the financial aspect. It turned out that my husband Łukasz had bought two life insurance policies before buying the house. One policy provided life and critical illness cover, and the other secured the repayment of our house mortgage. Within several weeks after my husband's death, large sums of money were paid from both policies. Of course no money could return my beloved husband and joy of my life. But today, looking at it from the perspective of the past four years, I am grateful for the help of my advisor and for having convinced my husband to take out insurance. If not for these policies, today I wouldn't have a roof over my head and I don't know what would happen with my children.
After her husband's death, Monika received £200,000 from a life insurance policy. She used it partly to repay her debt, and the rest of the sum is supporting the family. From the other policy, securing the house mortgage repayment, Monika received £180,000, which she used to repay the entire loan.