Life: The other insurance “gotcha”

I received my life-insurance bill in the mail over the weekend.  Life insurance isn’t a choice for me; considering my family, I consider it an obligation. There is no way I would leave my wife and kids without the money to get by if I weren’t there to help.  My policy is nothing special, it’s just your standard 20-year term life insurance policy… for a person with Type 1 diabetes. Pretty boring stuff.