My sister Natalie sold insurance. Her plan was to work another three or four years, then start a family with her husband Matt. My wife Emily was a legal secretary, me, I’m an architectural technician. Nat persuaded us to take out double indemnity insurance policies, so that if one of us died early, the family home and any childcare would be more than paid for. Although Em and I were also waiting a few years before having kids, it made sense to get the policies started at the lower age-related premium and lock in that price. Mom and Dad already had one, they reckoned it was a good way of accruing a lump sum for their retirement.