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Message: <blockquote data-quote="FullAuto" data-source="post: 3987221" data-attributes="member: 5110"><p>Coverage through an employer is cheap.  I've always had it when available, but they are small policies; usually something like 2x annual income.  I needed enough so my wife could buy whatever loser she replaced me with a new truck to drive my son around in.  She didn't marry well the first time.  Now she's older, heavier and has a kid. She'd definitely replace me with a real loser.</p></blockquote><p></p>