So many things in life you can say the cliche' better late than never but there are a lot of things that you better make sure you don't rely on that statement as in taking the dog out before he has to go potty. Major medical if you can afford it in life insurance are something you should have for those extremely unforeseen life or death matters. It took me six months of searching before I actually purchased my life insurance. One very helpful site is www.trustedquote.com. It saved me a lot of extra work and help in my decision.
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