Do you have an insurance? I have a term life insurance, a pension insurance and a sort of educational insurance. When my husband was still working abroad, I chose to save by buying an insurance. That way, I would not be able to withdraw it whenever I want to. Moreover, I am covered. Meaning, whatever happens to me, I am secured and my loved ones would not have to worry about what would happen if ever I leave them very untimely. There is no untimely with insurance. You are always secured. That is if you are a good payer of course meaning your payments are up to date or you really are not insured after all.
Many people are thinking twice to get an insurance. Maybe because it is not well explained to them or maybe they get a plan that is not the right one for them. I know some persons who would like to get a high return of investment. It means that you have to invest big too. Why not get a quote first and study if you could really afford it? Might as well, choose one that you can afford to buy in cash. That is maximum security, for me.
Of course, choose the best company too. That is very important also.