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After my dad died at 56, Mother had a paid-for home and a limited bank account. The first thing she did was cancel her life insurance. Both kids were out of the house and she had enough to bury her when the time came. Turns out the time came 17 months later, also at age 56.

Sure, her kids didn't split much of an estate, but it was her (limited) money. I've always thought she exhibited remarkable forethought.

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