Even though I feel healthy and go to the gym, go for bike rides and go running, you just never know what is going to happen. While Jackie is finishing up college, we are dependent on my income. Since life insurance is meant to replace lost income, it makes sense for me to get a life insurance policy.

Even though my family consists of me, my fiancée, two cats, and a lizard, they all come with their own expenses. If I were to perish, then how would my fiancée afford to pay the rent, buy food, buy pet food, pay the bills, and my final expenses? The amount of life insurance we need is enough to cover my income and to cover my final expenses.

The last thing I want is to leave my fiancée in debt. Another good reason to buy a life insurance policy now is since I am young, and presumably healthy, my life insurance rates will be lower than if I waited until I was older to purchase a life insurance policy.

So after we decide on what caterer we are going to use, my fiancée and I are going to decide what life insurance policy we need. While it is hard to think about protecting her financially should something happen to me, it is something that we must consider and figure out. On that cheery note, I'm off to the gym...