A couple of weeks ago, I attended an insurance conference where a lot of good information was put out. Of course, you couldn’t start to buy every insurance product on the market. One comment though certainly resonated with me so much that I came home and put in an application for a new life insurance policy for myself. The comment was: We insure our car at face value. We insure our house at face value, but we insure ourselves for a fraction of the cost. I thought that I could buy a cheap alternative which would not have adequately taken...