Glad that I have insurance. But the cost is high because of my age. Least I can leave my girls a little something. I would like it more if my payments were lower and did not go up every 5 years. It's from AARP through New York Life and it will help older people so that is a good thing. Their customer service people are very helpful and really listen to your questions and concerns. I like what AARP offers in deals. I have saved a lot of money by being a member.