 I want to tell you a true story. I got a letter from Fran in Virginia once. She and her husband Gary were loaded down with debt. They decided to get serious and worked for over two years to pay off $65,000. They were able to buy their dream home. Gary had just started a new job and things were looking really good. Six months later, part of this, Gary had term life insurance through Zander. So Fran was able to deal with her grief without being overwhelmed with money issues. Sad story, but I share it with you to make a point.