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					Originally Posted by LasciviousXXX  Exactly.  It was my position that it wasn't worth the risk to my family in the event of my death.  I didn't want my wife to have to go through the hassle of fighting with the insurance company right after I died.  Especially when there are companies out there that don't penalize you as much for smoking cigars.  
 I consider it another way of providing for and ensuring my family's future.
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 I think this nails it on the head.
Can I ask for some opinions on where to go for life insurance or where members here had best experience? Thanks again!
I hope I did not post this in the wrong section.