I ran into my friend Margaret at the store the other day, and we took a moment to catch up on what was happening with our families. I was sorry to hear that her husband Gary had a health issue in the past year. I asked if he had life insurance, and she said he used to have life insurance with the company he worked for, but he had been laid off, so was no longer covered. She said, “Oh, he’d probably never get life insurance because he’s not in perfect health.” Guess what Margaret? That’s not true!