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My job is to ask you the questions and make sure coverage is in place. 
Unfortunately I’ve been in this situation twice and it’s hellacious to say the least.  Logically and emotionally we know what’s best.  It’s making the decision and the time to put  things in place.  Don’t make me tell your loved ones and or your family you don’t and didn’t have any protection in place! 

Text me and or message me I’m here to help.  Talk soon.