There are only two options: to ride or not ride. Nobody plans to die riding, but **** happens. Same as if you're walking on the street, a brick can fall from the sky and burst your head open. Much lower probability than getting in a bike accident though. No doubt you've got a better chance of staying alive if you never get on a bike, right?
So, in my family nobody tells nobody what to do. However, that doesn't mean that the call for a little bit responsibility is not there. When it comes to riding a bike, one has to think about the "what if" situation. Who are you gonna leave behind? If you're single, that's easy. If you have two young kids and a wife, then there is a whole different angle to the story. If you're alive, then you'll be there to provide, mortgage, food, put kids through school and college. If you're not there, then the life insurance should take care of that.
In my opinion, there are two very important reasons for my role in the family: 1) earn money for the above mentioned reasons; 2) be there, so my kids grow up having a father. You're right---life insurance won't give you everything. It will provide 1), but not 2). Still that's 1 out of 2 vs nothing at all. Gives at least a bit of peace of mind.
lol...i did get lost in my thoughts, didn't i
sorry
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