From Tragedy to Inspiration: How My Father’s Accident Taught Me to Prioritize Legacy Planning 从悲剧到启示：父亲的事故教会我重视遗产规划

Life can be unpredictable and we never know when we might face an unexpected turn of events. This was something that my family experienced when my father met with a serious accident while riding his motorbike. It was a usual day, my father was on his way to work when a huge truck with blind spots turned suddenly and hit his bike. He lost his balance and was severely injured. The accident not only affected him physically but also emotionally and financially.

爸爸有一次出车祸。一辆盲区很大的大卡车突然转弯，导致他的摩托车失去平衡，伤及他的手臂和脊椎。那天下午我们在家里看电视，播放的是一部叫做“雾锁南洋”的连续剧。

I remember that day like it was yesterday. I was at home watching the TV series “The Awakening,” when I saw my father sitting on a wooden chair and staring blankly at the TV. At that moment, I didn’t realize how troubled he was. He was the sole breadwinner for our family of eight, and the thought of being unable to work and provide for us was weighing heavily on his mind.

我看见爸爸坐在木椅上，盯着电视发呆。当时我并不知道他内心的痛苦。他是一家八口的家庭的唯一经济来源。

It was only when I grew older and had a family of my own that I truly understood the importance of legacy planning. I realized that we should always be prepared for the unexpected and plan for the future. I dug up all my insurances and made sure that I had adequate coverage from now until the end of my life. Additionally, I made sure to add nominees to every insurance so that my children would not have to go through the lengthy and complicated probate process.

只有当我长大成家立业后，我才意识到遗产规划的重要性。我查找了所有的保险，确保从现在到生命结束都有充足的保险覆盖，并在每份保险中都添加了受益人，这样孩子们就不必申请遗嘱认证了。

Reflecting on my father’s accident also made me realize that life can be so fragile, and we should never take our family for granted. We never know when we might lose a loved one, so we must cherish every moment we have with them. We should always be there for our family, support them, and appreciate the time we spend together.

同时，这也让我意识到生命是多么脆弱。我们每天都在面对各种风险，无论是在路上还是在家里。没有人能预知未来，但我们可以采取一些措施来保护自己和我们所爱的人。

在这个过程中，早预备生前身后世是一个很好的选择。它可以帮助我们面对未知的风险，并保护我们的财产和家庭。我希望大家能够从父亲的经历中得到启发，采取一些措施来保护自己和我们所爱的人。爸爸默默付出，用心守护：为家人默默奉献，从不唠叨。