The uncertainty of the future being the only certain thing in this world is the reason why I always try to be a step ahead when a decision to be made will impact my family.  Just like when I borrow money from the bank or when I applied for a credit card I ticked on that box that will protect my family from paying my debts in case I suddenly pass away.  I think they call it Private mortgage insurance.  I do the same when I travel too.  I tick the box for a travel insurance although that would mean paying extra, but it is not just for untimely passing but to help me in case something went wrong during the travel like losing my luggage.  I also have a plan to get a life insurance. Although my parents does not believe in it, I still want to get one for practical reasons.  Because we’ll never know what will happen right?  I definitely wouldn’t want the people that I leave behind like my parents to go through the things like losing the home that they lived in to pay for the debts of a member of the family just because the person who’s responsible for it had passed away just like in the movies.  And all that was because that person did not have any insurance like a mortgage life insurance to protect them in case something happens.