The ones who believe the 'fear' they're being sold. I'm not saying don't cover yourself, but there are many other ways you can do this....
Make the money grow through your own efforts. Invest in solid stuff, run a business or 2, make the money grow itself. Obviously the risk is if anything 'big' happens in the early years, there are other 'cover' options available for that. One powerful one is to set up a "Self Insurance" scheme with people you trust. Not too many and not too little - 20-30 or 30-50 if you want more comfort. Except here, your premiums staying in your bank account and you 'will' see it again and with growth. The group could also make low interest loans from it. There could even be annual dividends made from the growth. That's a start...
Husbands...my husband, and soon....lol
He is not getting any younger and if he should die before me, I would like to put in a new pool and have my yard professionally landscaped....lol
Nobody. It's a rip-off.
When you go to collect they always come up with some reason not to pay off.