Scribbles For The Future – JRC Insurance Scholarship Winning Essay – Fall 2016


Twice a year we host a scholarship essay competition, where one deserving student earns a $1,000 scholarship for their college education.

Gina Park - Winner of the Fall 2016 JRC Scholarship

Gina Park – JRC Insurance Group Scholarship Contest Winner – Fall 2016

JRC is proud to introduce the winner of the Fall 2016 scholarship award, Gina Park. Ms. Park is a senior at UC Berkeley in Berkeley, California, GO BEARS!

Gina is working on her double major in Economics and Psychology and she also has a certificate in Technology & Entrepreneurship.  Here is Gina’s winning essay submission:

“Scribbles for the Future”

I remember the moment clearly –my brain slowly connecting the words on the form to her hand moving swiftly, making sure not to miss a box. Scribble. Scribble. Scratch. Scribble. My mother was filling out a form to purchase life insurance for herself and my twelve-year-old self could not comprehend this action. Did she think something would happen to her? Was something wrong with her health? I shuddered and was enveloped by an immense fear. What’s wrong?

While I continued to panic, my mother dutifully kept with her task. Scribble. Scribble. Scribble. The juxtaposition between the rhythmic scribbles and my mental confusion was almost laughable. I managed to process what was occurring and managed to utter a single question to my mother. “Why?”

The scribbles paused for a moment as she smiled at me. “What do you mean?”

I grimaced and asked in an accusatory tone, “Why are you filling that out?”

“It’s just in case something happens; if I’m not able to take care of you anymore. It’s insurance for your future” She beamed and continued with the form. Scribble. Scribble. Scribble. Scratch. I was not satisfied.

I could not stop thinking about the form as my mind was racing with worries. I had never previously thought about my parents passing away and the thought was hard to swallow. I spent the week researching in life insurance with the intent of giving myself a peace of mind. However, I ended up completely agreeing with my mother’s decision and feeling thankful for the thought.

Contrary to my prior beliefs, I learned that life insurance policies are purchased by people long before health concerns or even those without concerning family medical histories. Life insurance is an insurance, and just like its name, it helps ensure that loved ones are protected in the future. Losing a loved one can leave families in emotional turmoil but it can also leave them in a dire financial situation. Although the prior cannot be alleviated, the former can with life insurance. Life insurance is a cushion; a small ray of sunshine in a thunderstorm of mayhem. The benefits could help with the funeral expenses, bills in the future, and my college education. The most important is that the benefits are a reminder to those proceeding the deceased that they were loved and cared for. By researching, I was able to understand the purpose of life insurance and also the good intentions of my mother.

Compared to nearly ten years ago, I now have a different perspective of the moment my mother was filling out that form. Whereas that moment was filled with feelings of dread and anxiety, I now look back fondly, realizing that this moment was just another illustration of my mother’s love for my family and me. She was filling out the form and purchasing life insurance to ensure a good future for me, even if she was not there physically by my side.

Scribble. Scribble. Scribble. Scratch. My future can now continue to be written, thanks to my mother’s foresight.

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Cliff Pendell

VP of Marketing at JRC Insurance Group
Cliff is a Managing Partner and Co-Founder at JRC. He has helped thousands of families of businesses with their life insurance needs since 2012 and specializes with applicants who are less than perfect health. In his spare time he enjoys spending time with family, traveling, and the great outdoors.
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