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I've got 3 policies through TIAA-CREF totalling about what the mortgage is. That way if I kick my wife can pay off the house and she and my son can afford to live pretty easily on her salary. Funny that you bring it up but after doing a track day tonight my wife mentioned seeing if there is cheap accidental death/dismemberment insurance through work (she has some that was dirt cheap).
At 34 if you don't smoke your premiums should be pretty low.
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