LIFE INSURANCE AND DISABILITY

Life insurance is a touchy issue with me. I have trouble paying for something from which I am certain I will never directly benefit. I am doubtful of the comfort derived from the knowledge that my family is better off with me dead.

When my wife and I married, we decided we would take out the minimum life policy on ourselves until we had children. This was partly to save money and partly to assure each other that neither of us was a black widow (or widower) in disguise (a case of Robin reading too many murder mysteries). When children appear, there is a point to life insurance. Then you want to make sure they will be able to go to college even if your spouse is a black widow.

There is something to be said for disability insurance. If something happens on the construction site that prevents you from working, this can keep your family out of the poorhouse. Physical disability or no, every individual has something to contribute to society. It is a matter of perseverance and application. I would feel guilty for taking disability money, even after an injury.

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