Nine months later, life took an unpredictable turn. David, who was otherwise healthy, went in for a routine outpatient knee surgery. That evening, he felt unwell and was rushed back to the hospital. He passed away the next day from a sudden stroke caused by a blood clot.

: Generally, the younger and healthier you are when you buy, the more affordable your premiums will be.

entirely, ensuring the kids could stay in their childhood home.

: Even a policy that is only months old can provide a full payout to beneficiaries in their darkest moments.

while she took the time she needed to grieve before eventually returning to work.

: Critical moments happen without warning; being prepared prevents financial ruin.