my first husband didn't have life insurance, we talked about it, looked at it, even had called about it, but hadn't settled on who and how much. It would have been easier when he died ( a whole lot) if he had, but at that point, I didn't really care and no amount of money would have made things " better"
Current hubby and I have insurance, both through work and privatly. We have thrown around a will for 16 months now ( since our son was born) but haven't contacted a lawyer yet. He still rides, I gave up my bike when I realized that I had more anxiety from it than joy. I worry when he rides, but I know he's very aware of what's going on around him and not at all a risk taker. He gets such joy out of it that although I gave it up, I can't ask him to, despite my anxiety about it.
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