Mom makes great case for getting life insurance on the other parent even if you're not married
Parents are praising her wisdom.
Mom makes case for getting life insurance on child's other parent
Nobody wants to think about what happens if their child's other parent dies unexpectedly. It's not a pleasant topic but unfortunately it is something that happens sometimes and parents have to do their best to pick up the pieces after such a tragic loss. One mom, had the unfortunate experience of living through this tragedy and she took to social media to explain the steps she took to prepare for this day.
Kelsey Pumel, a multi-hyphenate TikTok creator recently had to help her young daughter process the unexpected loss of her biological father. Pumel and Kobe's father were never married and had broken up years prior but she admits to carrying a life insurance policy on him. The topic was brought up when her viewers informed her that she should file for social security death benefits to assist with the financial responsibility of caring for Kobe.
That's when the mom of five revealed that she took out a life insurance policy on Kobe's father when she was pregnant for multiple reasons.
"I have gotten many rude comments about the life insurance and some wild accusations made but I'm going to say this and I need y'all to hear me. If you have a child with somebody, you should have life insurance one that person, period," Pumel says. "If something were to happen, you're going to get that kickback of money to help you either raise your kids or to make up for the income that is now missing."
In a follow up video she clarifies that you do need the other person's consent in order to take out the policy. Pumel also answers the question on what she's doing with the insurance money after the death of her child's father.
"When I first got the money, I did take a chunk of it and I paid off all of my student loans, now stick with me. Why did I do that? Well, I had about $95K worth of student loans, my interest was over $6K a year. I wasn't even cutting any of it down trying to pay it with that type of interest." She reveals after talking it over with her dad who was helping pay the loans.
"So we came up with a payment plan that pays the entire $95K plus interest back to Kobe, paying it monthly into a 529 Plan, which is a college fund for her. So all that money will go into that plan for her. If she doesn't go to college or doesn't use all of it, it will be kicked over in an investment account that she will be able to pull at retirement age."
@growingwithkelsey Replying to @bossyasf83 Correct me if im wrong about SS benefits but thats what I was told. But Kobe is going to be alright! I promise you I am getting her the brightest future possible set up! ♥️🫶🏼 #lifeinsurance
Not only is Pumel making sure Kobe has money to retire with, she's taking some of the money and putting it into a high yield account for her daughter. She also plans to buy a real estate property that will go to the little girl when she turns 18. Really, Pumel has thought of everything she could to make sure her daughter is set up to be financially secure her entire life.
While no one wishes for their children to experience the death of a parent before their time, this mom proves that having a life insurance policy on a coparent is simply a smart choice. Parents in the comments are applauding her for talking about this so openly.
@growingwithkelsey Replying to @ohitsamber84 There are so many ways to set up an financial future for your children without big chunks of money! I strongly recommend talking with a financial advisor if you have kids and seeing what options you may have to ensure them a strong future. ♥️🫶🏼
"And BOOM that is how generational wealth is made baby! Good for you mama," one person says.
"Girl your daughter may not understand now. But when she gets older she will thank you immensely," another writes.
"That's perfect! Exactly what she'll need! Car, college, house...set her up to have no debt," someone else proclaims.
- A 'death box' may sound morbid, but it's actually a priceless gift for your loved ones ›
- Someone asked Millennials why they always joke about dying and the answers were pretty serious ›
- 102 days after his wife's death, Patton Oswalt describes grief as only he can. ›
- Family finds gift on mom's grave after leaving yarn tribute - Upworthy ›
Beaver in water. Photo by 
An actual beaver dam on the now-thriving Price River
A tired woman relaxing in a chair.via 
A tired woman laying on the couch.via 
Simpsons Gif
Aging happens in bursts, scientists find.
Research shows the body goes through specific changes in our 40s and 60s.
There's a reason why some people can perfectly copy accents, and others can't
Turns out, there's a neurodivergent link.
A woman in black long sleeve shirt stands in front of mirror.
Have you ever had that friend who goes on vacation for four days to London and comes back with a full-on Queen's English posh accent? "Oooh I left my brolly in the loo," they say, and you respond, "But you're from Colorado!" Well, there are reasons they (and many of us) do that, and usually it's on a pretty subconscious level.
It's called "accent mirroring," and it's actually quite common with people who are neurodivergent, particularly those with ADHD (Attention Deficit Hyperactivity Disorder). According Neurolaunch, the self-described "Free Mental Health Library," "Accent mirroring, also known as accent adaptation or phonetic convergence, is the tendency to unconsciously adopt the accent or speech patterns of those around us. This linguistic chameleon effect is not unique to individuals with ADHD, but it appears to be more pronounced and frequent in this population."
Essentially, when people have conversations, we're constantly "scanning" for information—not just the words we're absorbing, but the inflection and tone. "When we hear an accent, our brains automatically analyze and categorize the phonetic features, prosody, and intonation patterns," writes Neurolaunch. For most, this does result in copying the accent of the person with whom we're speaking. But those with ADHD might be more sensitive to auditory cues. This, "coupled with a reduced ability to filter out or inhibit the impulse to mimic…could potentially explain the increased tendency for accent mirroring."
While the article explains further research is needed, they distinctly state that, "Accent mirroring in individuals with ADHD often manifests as an unconscious mimicry of accents in social situations. This can range from subtle shifts in pronunciation to more noticeable changes in intonation and speech rhythm. For example, a person with ADHD might find themselves unconsciously adopting a Southern drawl when conversing with someone from Texas, even if they’ve never lived in the South themselves."
People are having their say online. On the subreddit r/ADHDWomen, a thread began: "Taking on accents is an ADHD thing?" The OP shares, "My whole life, I've picked up accents. I, myself, never noticed, but everyone around me would be like, 'Why are you talking like that??' It could be after I watched a show or movie with an accent or after I've traveled somewhere with a different accent than my 'normal.'
They continue, "Apparently, I pick it up fast, but it fades out slowly. Today... I'm scrolling Instagram, I watch a reel from a comedian couple (Darcy and Jeremy. IYKYK) about how Darcy (ADHD) picks up accents everywhere they go. It's called ADHD Mirroring??? And it's another way of masking."
(The OP is referring to Darcy Michaels and his husband Jeremy Baer, who are both touring comedians based in Canada.)
Hundreds of people on the Reddit thread alone seem to relate. One comments, "Omfg I've done this my whole life; I'll even pick up on the pauses/spaces when I'm talking to someone who is ESL—but English is my first language lol."
Sometimes, it can be a real issue for those around the chameleon. "I accidentally mimicked a waitress's weird laugh one time. As soon as she was out of earshot, my family started to reprimand me, but I was already like 'oh my god I don’t know why I did that, I feel so bad.'"
Many commenters on TikTok were shocked to find out this can be a sign of ADHD. One jokes, "Omg, yes, at a store the cashier was talking to me and she was French. She's like 'Oh are you French too? No, I'm not lol. I'm very east coast Canada."
And some people just embrace it and make it work for them. "I mirror their words or phrase! I’m 30. I realized I start calling everyone sweetie cause my manager does & I work at coffee shop."