Be sure to periodically check what your insurance covers because my experience has been that when you really need the insurance money, the company always seems to find a loophole. BTW, I don't think my homeowners insurance has a "small" premium. On life insurance, we currently have lots of term insurance that I plan on dropping as soon as the last child is out of college. We need it now but I may even drop it sooner depending on how much retirement money is there. On health insurance, I will be going back to regular indemnity health insurance next year after 12 years of PPOS because I am very afraid that if anyone on my family has a serious illness, they will not get the best care, they will get the CHEAPEST care. I want the right to chose our doctors back.
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