Strokes and other severe health problems can happen during peak productive years. Save and buy insurance. Very cheap to do when young.https://twitter.com/ramit/status/864655756481769472 …
Depends on circumstances; with a heavily international situation I went with http://pui.org for PLTD insurance (through insubuy).
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Plenty of Japanese life insurers will write cheap term life policies for established foreign residents; went with cheap quote through agent.
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