Have a really good think about life insurance
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Some years back, before the kids came along, I fell for the well-spun words of an insurance agent selling life insurance. As I was only just newly married, and quite young for that matter, I sat on the phone and let the lady talk me into allowing her to visit me and help me to plan for my future.
Well, it seemed a good idea at the time and so I ended up signing a policy. I paid into it for about two years and then did what many people do - I decided to cancel it. When you are just 21 your mortality just doesn’t seem to come into your line of thinking - wouldn’t you agree?
Over the past couple of years though I have turned my thoughts back to leaving my kids a legacy of some kind and have even considered a life insurance policy once again. The process is different now of course; you don’t have to suffer insurance agents knocking on your door so much these days but can go online to find life insurance rates as well as take out your policy that way as well. I figure that I will never be wealthy (in financial terms) enough to leave them a fortune but I would like to make sure they don’t go into debt dealing with things after I am gone.
Having said that, I could always cash it on maturity and go cruising on the Queen Mary in my dotage.
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