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As a business person, John had been very
successful. Through his hardwork and determination, he had provided adequately for his
family. They lived in a nice big bungalow in one of the expensive and posh area. John
drove a Mercede Benz and owned shares and other properties.
One fine day, God decided to take him home.
As John had been a good God fearing Christian using his money wisely to help the church mission to
spread the gospels and doing all sort of good deeds, he managed to go to heaven.
John was having a good time in heaven singing and
praising God. Then one fine day, while he is happily playing his harp singing praises to God,
a thought came into his mind, wondering what happened to his family on earth?
God sensed his thoughts. God decided to let
John visit his family on earth. John was thrilled of the idea of seeing his family
again. God sent John back to earth.......
On reaching his home,
he was surprised to see many people crowding around near rhe front gate of his house. He saw
his brother, his bankers and his lawyer. Wondering what had happened, he moved forward to
listen to their conversation.
"M'dm, I am sorry to tell you that as your husband
died without a Will, the probate process will takes 2 to 3 years to complete. Meantime, all
the bank accounts of your late husband had been frozen by the banks until the probate process is
completed," John heard his lawyer telling his wife.
"I don't have any money now to continue living!"
John's wife replied weepingly.
Now John remembered that his lawyer had number of
times asked him to prepare a will but he always jokingly told him off that he was not ready to die
yet.
"I really regret not listening to my lawyer to have
a Will," John lamented to himself.
"Remember last year I send your friend, Joe, to
talk to you about estate planning? What did you tell him? You tell him off on the face
not to be a messenger of death," God reminded John.
"I am sorry, God. I don't know that Joe was
sent by you," John meekly replied.
"I also send your niece who just joined the
insurance industry to talk to you about financial planning. You shooed her off by puchasing a
very small policy from her," God added.
"John died without making any provision for his
business. As he is the keyman of the company, now our business is really affected. Our
creditors are getting nasty now.....they want us to pay cash instead of credit. Our company
is having a financial crunch," John's brother told John's wife. John's brother is one of the
director of John's company.
"And the worst thing is that John has personally
guaranteed the loans from the bank as he is the managing director. Now the banks are calling
back the loans. I don't know what to do now," John's brother told his wife.
"I only wish he had taken up the advise from Mike,
our accountant, to take up a keyman insurance policy," John heard his brother
lamented.
Now John remembered that his accountant had advised
him to consider getting keyman insurance for the company. He turned it down as he had
considered such expenses to be waste of money.
"The banks want to foreclose our company if we
don't come up with the money soon. Also, the banks want to force a lien over the house as
John has act as guarantor for the loans for the company," John's brother said.
"If the bankers take away my house, where should I
and my children stay?" cried John's wife.
!@#$%^&*(), cursed John. "What the hell is this? I've given the
banks so much business over the years and yet they treat my family like this," John lamented.
At this point of time, God reminded John no cursing and profanity were allowed in
heaven.
John then approached God and asked :" God, why
don't you warn me earlier before you take me home?"
"I did. I sent Joe, the estate planner.
You are not interested. I then send your niece to approach you but you shoo her off by
purchasing a small policy. I sent your lawyer and your accountant, you also don't listen. So,
how can you blame me for not warning you first?" God reprimanded John.
Then God took John to his beloved church.
John saw his pastor and elders having a very serious meeting.
"Gentlemen, we have bad news. Due to lack of
running funds, the mission in Papua New Guinea and Thailand have to be curtailed," said the
pastor.
"I only wish that our beloved brother, John, is
still around. He will surely support and fund these missions," added one
elder.
"We need to pray to God for a miracle," said
another elder.
"Remember one of your church member Kenny? He
shared with you how you can use Charitable Trust Fund to support your church mission
activities? What did you tell him? You tell him to go fly a kite and mind his own
business!" said God to John.
By now, John was so ashame of himself that he hung
his head in deep remorse. If only he knew.....
It may be too late for John to do anything.
You can do something now for your family financial well-being. Plan now. Contact us for
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