Stay in a "decision-free zone." This will protect yourself from the pressure of making a big, irrevocable decision you might regret later. The decision-free zone (a term coined by the Sudden Money Institute) should continue for at least a few months. For some widows, this period may last up to a year.
For example, intense memories of your husband in the home you shared for years may provoke you to consider moving away from those familiar walls. But if you run away to a new location, you may end up grieving from a "loss of place" in addition to the death of your husband.
This isn't the time to invest life insurance benefits or other new money in something you don't understand, either. Rather, deposit that cash in a money market-type account. (Many insurance companies offer this option. Ask the agent.) Keep insurance money easily accessible for immediate and near-term expenses before making longer-term investments with that cash.
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If you've been widowed recently, practice saying, "Thanks. That's an interesting idea. I'll think about it."
Be prepared to recite this line if you're pressured by financial salespeople or relatives and friends who don't understand that you need time to concentrate on yourself in early widowhood. Write these words on a piece of paper and keep it by your phone as well.