Gentlemen and ladies, I know we all feel like we are invincible, we will all live to see our great-grandkids but that is not always the case. Have you thought of what will happen to your spouse and kids when you are no longer here, what your physical and financial absence will do to their future? what measures are you putting down to ensure that if you meet with an unfortunate event that separates your soul from your body, your family will still be able to face life and live with some decency?