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On the life insurance question (and maybe one for a different thread but interest has been piqued). I have two life policies through work both for 5 x salary (so does my wife). In general I dislike the insurance industry and am in agreement with Dov about it being essentially a fixed racket. That said I'm wondering if I shouldn't consider critical illness or something else, I'm fit and healthy and my wife's salary can pay mortgage and support us just about but yeah just in case I suppose