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A mother’s push for life insurance means security for her newborn son

‎07-22-2014 11:56 AM

Joey Boyou


Joe Boyou met the woman who would become his wife when he was stationed at Keesler Air Force Base. By their third date, he knew Veronica Barnes was the one, but he didn’t know that her foresight and financial wisdom would ensure her family’s well-being long after her death.


Veronica was studying toward a degree in human resources at Virginia College when she met Joe in her hometown of Gulfport, Mississippi.


“I just knew she was the one: smart, wholesome and from a good Christian family,” Joe says.


They tied the knot in 2009 before the Air Force transferred Joe to New Mexico. Fast forward four years to Veronica’s graduation in May 2013. She walked the stage while pregnant with their son. Everything seemed set for the happy couple.


In the months leading up to their son’s birth, Veronica began to nag her husband about the need to take out life insurance for her. 


“She said, ‘Do this now.’” Joe says. “She knew a lot could happen.” 


Busy with preparations for the baby, the couple delayed her life insurance quote. As her due date grew closer, they knew they couldn’t put it off any longer.


Just days before Veronica was due, the couple finally submitted the information required to receive the life insurance policy.


On Sept. 18, the Air Force’s birthday, Veronica gave birth to a son, Joey. But the happy time quickly turned into heartbreak for the family when Veronica lost her life due to complications during delivery. Joe was left to grieve for his wife and care for the newborn all by himself.


Joe and Joey BoyouHelping take care of newborn Joey


After his wife’s death, Joe was allowed to transfer back to Keesler Air Force Base on a humanitarian assignment to be nearer to his wife’s mother and sister, who now help care for little Joey.


Joe says the life insurance money from the policy Veronica insisted they buy has gone a long way toward helping him care for Joey. “The money from USAA Life Insurance Co. sure came in handy. I was able to relocate myself and my son to be nearer to his grandma and auntie here in Biloxi,” Joe says.


“I am mostly grateful to be able to afford the baby’s immediate necessities as a single parent,” he says. ”Veronica was very strong. She meant so much to me. Learning to live without her every day is a constant struggle.”




Life insurance and annuities by USAA Life Insurance Company, San Antonio, TX and in New York by USAA Life Insurance Company of New York, Highland Falls, NY. All insurance products are subject to state availability, issue limitations and contractual terms and conditions. Each company has sole financial responsibility for its own products.


Use of the term “member” or “membership” does not convey any eligibility rights for auto and property insurance products, or legal or ownership rights in USAA. Ownership rights are limited to eligible policyholders of United Services Automobile Association.



by lilrabbit187
‎07-22-2014 04:14 PM
When I was approached to do this story, I was a lil hesitant but realized the need for others to be educated on the matter. My baby boy is truly blessed, he's all i have left. Thanks to USAA.
by sweetpeaAnB
‎07-29-2014 02:17 PM

That's great of you to share your story in hope of helping other families. Your little boy is blessed to have you for a father. Your family is in our prayers!

by JDH04
‎07-31-2014 08:53 AM

Thank you for sharing your story. I realize it must have been difficult, but I thank you and know that by your sharing maybe you have helped someone else. May God Bless you and Joey!!!

by Chris338
‎08-01-2014 08:46 AM

God bless you.  I can't imagine how hard that is, losing a spouse.  Thanks for the impetus to get ours updated and increased.

by ahussar
‎08-04-2014 04:24 PM - edited ‎08-04-2014 04:25 PM

This is exactly why I maintain my VGLI insurance, as well as my husband's. Both of us served in the Army, and would have a hard time raising three active young sons without the other spouse.


I've contemplated supplementing my VGLI with an additional term policy (my husband has ample coverage as a federal employee). I've been dragging my feet, but maybe it's time to address that.

by tbsxxx
‎09-09-2014 03:03 PM

Hi Joe,


     Thanks for sharing your story, My eyes filled with tears as I read it and still are as I type this. It's just a very sad story overall but on the upside baby Joey is fine and well taken care of. And eventually you will heal as time goes by, I pray. Kudos to grandma and auntie for stepping up as well! All of you be Blessed, and keep God number 1 in you life,

by maylove
‎09-13-2014 10:44 AM

You and your family are in my thoughts and prayers.

God bless. 

by KevinInTexas
‎09-16-2014 09:05 PM

Howdy Joe, 


Veronica was wise and I am sorry to hear of your lose.  I was in the insurance industry and saw too often people who wished they'd had her wisdom.  If you've not done so, consider looking into a disability income insurance to further protect your son and yourself.  Then long term care insurance.  You have a cute little guy there surrounded by people who love him.  That's a blessing.  My prayers are with you and your family.  


Thanks for serving our country.  

by Inspector_Fenwick
‎09-19-2014 10:19 AM

I am so sorry to hear that your wife had passed.  God bless you and that beautiful baby.  Your baby is fortunate to have you as a Daddy.  Take good care of him and your family.  I will keep you and your family in my prayers.  :)


by hdwhit
‎10-01-2014 06:53 PM

Joey, I read your father's story and it seems pretty clear that he married the right woman for all the right reasons.  Immitate him and you'll be okay.

by Ms.heart
‎10-08-2014 12:24 PM

Sorry for your loss. My thoughts and prayers go out to both you and your beautiful little boy . I just had a baby and do alot by myself so I know it is hard.  

by lilrabbit187
‎10-28-2014 11:17 AM
Thanks again for the love and support... The little guy is doing quite well and is growing up fast. He has now figured out how to open the cabinets and re-arrange the book As for me, I made a dream come true by becoming an author. My first Memoir was published last month and is doing quite well on Amazon and Apple books. With this book, I look to inspire others to pick up and keep going no matter what life throws at you. The book is getting positive feedbacks and reviews on It is dedicated to my Veronica. It is Titled "A life of Resiliency" please check it out.... thanks again... till next time! Joe B.

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