   neutral   I took out a life insurance policy and make my wife beneficiary.     happiness   That ’ s a good idea. You are a fireman and it can be a dangerous job.  
    neutral   I need to make sure that my wife will be financially secure if I die.     neutral   I can terminate my life insurance policy when I retire and use the money as a pension.  
    neutral   That ’ s one of the conditions of my policy too. It covers you if you die before you retire and when you retire.     neutral   
 How much is in your policy now? 
 How much is this going t cost?    disgust  Oh, dear! This