Philip Hetherington

I’ll admit it: I never bothered with life insurance. In my twenties, I felt invincible – mortality wasn’t even on my radar. In my early thirties, I skipped it because I was single, child-free, and all my other family members were financially stable. And in my forties, well, there’s two kids, a wife and the unfortunate realization that financial security is quite a few more years to go. Life insurance time.