For the longest time, I didn’t believe in coverage. I thought it was a waste of my hard-earned money. I worked mainly on commission and when I had a big sale, I tended to put it in the stock market and let it ride. A few market crashes and I began to realize I needed a safe haven, particularly once I got married, which was later in life. About 20 years ago, my wife and I sat down, even before we had our first child, and we worked out a coverage plan. My family is set if anything should happen to me.
Stan, 61, Taos, N. M.
I don’t think I have enough. Probably my coverage with life insurance is inadequate for me. When I was in my 30s and 40s, I had pretty good coverage. My kids were young then and we maxed out. But that coverage lapsed, gosh, probably 20 years ago. Right now I have one small certificate, but I don’t even think it’s enough to pay for my funeral.
Walter, 66 Denver