I don't remember if I posted anything about this before but I took out an insurance policy that doubles as a retirement plan. I had been looking at life insurance quotes since the start of this year and when I finally found the opportunity to actually get a plan, I didn't hesitate anymore. I pay quarterly so it's not that much of a burden - it shouldn't be if I set aside money every month. I really should do that because every quarter, I tend to have other expenses and forget about the premium. I am telling myself it is for my future AND just in case something happens to me.