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One of the chapters in Napoleon Hill’s “Think and Grow Rich” basically bags insurance companies for “ripping off” their clients. However, one cannot simply bag the prudent planner who puts in place an appropriate safety net in case something bad happens to him – like dying early!

When I die, my wife, children, grandchildren and great grandchildren will (I hope) be sad to see me go, but they may also be sad that there is no million dollar payment from a life policy to help alleviate their grief.

If you die as the only breadwinner in your family and leave behind a grieving spouse, a mortgage and a couple of kids to be educated, it would be grossly irresponsible not to have life insurance to cover those necessities.

Insurance can be expensive, but getting substantial insurance cover should be regarded as essential for everyone, especially old blokes like me.