I use to think life insurance meant someone (beneficiary) got money when I die. Since I don't have kids, I thought why would setup such a plan, that's a murder motive. Of course the was probably all of the true crime shows I watch to relax, lol!! 

They say with age comes wisdom, at the ripe ole age of 40 that finally started to happen for me. I have a full time job that comes with benefits such as life insurance. However I realized two things, 1 - it's not "my" policy it belongs to the...

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