love insurance.

‘I can’t afford this life insurance, Benji,’ my wife, Desreen, said just eight months before she was killed.

‘Why don’t you get the cover now and I’ll do it later when the money starts coming in?’ she suggested as we sat discussing life insurance in a meeting with our financial advisor.

‘Okay, great idea,’ I replied sarcastically, ‘so if I die you’re sitting pretty with my personal life insurance and death in service through work, but if anything happens to you, I’m screwed?’

She giggled naughtily behind her hands, pretended to start spending the money in her head, then conceded and signed the papers. We, like so many new parents, both assumed we were throwing our money down the drain either way. How wrong we were.