People, People!!!!!!
First of all, when you write comments which are a page long, they get mostly ignored as people dont have the patience to read through them. Second of all, I love how as jews we all feel the need to have such strong opinions on everything.
On to my comment: To Queen of Persia,
I will daven hard for your complete refuah Shelema. I asked my rebbi, a talmid of one of the great Roshei Yeshiva and a Gadol “Should I get Life Insruance?” (I had just gotten married and my wife and I were expecting our first child). His response was “Yes, no ask me a hard quesion.” He went on to explain that anyone not getting life isurance is irresponsible and in need of a stern talking to (yes Queen, I am talking to you). So there you go, read it and go talk to a Rav again.