Spend it! Unfortunately that’s what happens way too quickly with benefits from life insurance, but it doesn’t have to be that way. Studies have shown that the majority of people spend most of the money from life insurance benefits within three years of receiving them and the years after that worried about how they will get by. What if instead of giving your family a lump sum of cash you could guarantee they would get a check every month for the next 5-30 years according to your wishes; and by doing so your policy would pay out 20-40% more benefits for the same cost. I can help you set up a life insurance policy where not only if you live do you get all of the money back, but if the unthinkable happens to you, your family will get a check every month for years. Should the worst happen not only will they be provided for, you will be remembered.