How life insurance made the future possible: The Knoll family’s story

[music] I think of our family as really lucky
because we did have life insurance. [music] My name is Melissa Knoll, and I live in Ham Lake, Minnesota. I have two daughters, Neva is eighteen and Morgan is thirteen. I love being a mom. Neva will be a freshman at Syracuse University this fall,
she is a beautiful young lady who is extremely artistic and talented and
she’s definitely ready for college. Morgan is my baby who is thirteen. She is also a dancer
like her sister, she also likes to act, she can be kind of a character, but she’s also a sweetheart. A lot of people always say Morgan looks like Greg. She definitely does have a little bit of his look with his eyes. We met at Syracuse University, and I think on the surface
Greg looked pretty tough, and he was kind of quiet. But once you got to really know him he was very caring,
very fun, and very outgoing. I like describing him as a SWAT Team officer. Because, he was just like, so like, I don’t know,
he was so strong and always like, he was a great dad. I miss his smile a lot. Um…
I don’t know, I miss a lot of things. This was the picture of us, probably the last like,
healthy family photo that we had. The girls were three and eight at that time. And it was, it was the Tuesday before Christmas
that we found out. He said I have cancer, I have cancer. I was like, what are you talking about. You don’t have cancer, what are you talking about. He went through radiation, he went through chemotherapy, and had his stomach removed and part of his pancreas
and his spleen, and lymph– more than twenty lymph nodes, and part of his intestines. It was really quite an accomplishment to get through that surgery, and really he was able to have more memories with us as a family. He went back to work, he got to go to a
father-daughter dance with Neva. We went on vacation, we went to Disneyworld, we went
snowmobiling, and he really was a tough fighter. He carried a picture of me and Morgan around
in his wallet all the time. It’s crinkled up, and like, obviously it was with him all the time. And then the next year, he started having trouble eating again. He went into surgery and the cancer had come back. At that point, there was noth– no way that he could survive. No one expects your young spouse to get sick and cancer,
let alone to die. And for you to be a widow with two small kids. [music] It’s– frightens me to no end to think about what life
would have been like without any life insurance. It made everything possible. It made not giving up possible. Because we did have life insurance, and those decisions
are making it possible for our family to you know, continue in a way that he and I had planned for. Oh my gosh, I’m so fortunate that I get to dance,
I wouldn’t have dance, I mean, I wouldn’t have this house. It affected me still being able to do dance, still being able
to do all the stuff that I love, like go to horse camp, do gymnastics. I appreciate it so much because it literally has meant
the difference between our family really struggling and our family being happy and excited to send Neva
off to college and hopeful for the future. [music]

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