In some point I feel frustrated and disappointed towards myself. I think I have wasted so many years and still I don’t have any insurance. I do blame myself for that anyway. I feel like I don’t need insurance. However, now that my husband and I are turning 50 I suppose I need something that could protect my young boys.

The truth is, I don’t have wealth to cover my boy’s future if something happens to me or my husband. I know their three elder siblings could help the two. But, it’s not their responsibility and I don’t want to obligate them. If I could return time, I wish I purchased cheap term life insurance. As for now, I doubt if there will be an insurance company that would grant me what I need. And if there is, it will be not be affordable. I can’t turn back time. I can no longer do anything about it, but hope for the best.

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