We are not insured yet, and we’re still thinking about it. A friend convinces me to avail one and has presented us their term life insurance rates. They have several options for payment, i.e., yearly, twice-a-year, quarterly, and monthly. She has presented us the benefits that we could avail once insured. Since we are not that interested in having ourselves insured, we asked her to present us a college plan instead, because we are more concerned with Andre’s education in the future. I hope she can give us a nice offer.