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Yet another drawback to being an overweight 40-year-old mother of two who has a history of smoking, drinking and exercising as little as possible: affordable insurance is something that, like thin thighs, I pretty much just dream about.

However, because I am a mother, I know that no matter how expensive insurance is, it’s well worth it. I know of too many people who figured it was a luxury expense so they didn’t insure themselves and, unfortunately, tragedy struck and left their families struggling to replace that lost income.

Luckily, thanks to my husband’s military service, our health insurance is free. A cash value life insurance policy, on the other hand, costs a pretty penny and, really, we have better ways to use that money right now (like paying bills!).

Our solution? We’re looking into term life insurance which costs significantly less while guaranteeing that if something were to happen to either of us during the span of the term (10, 15 or 20 years), there’d be money available to support the surviving spouse and kids. Best yet, if we invest the money we’re saving on insurance premiums each month we can also build up a nice little retirement nest egg, too.