Tonight is the insurance lesson for my newest FPU class. I always dread this lesson because, though it's a great lesson, it makes me cry every time. The story at the end of the young man providing for his family is just too sad. You'd think that since I've seen this lesson many times that I would become immune to it. Not so. I always warn the class ahead of time that it will be a sad one and that I will provide Kleenex.

One of the members mentioned last week that she's really been looking forward to this lesson because she has insurance, but has no idea if it's what she actually needs or not. How many of us are like that? I know I was!