4. What would have to happen first for the result you want, to arrive in all circumstances?
If your vision is to be free from having people come to contribute you when your are gone, then work to prepare for your funeral as our forefather Abraham did (The Bible Genesis 23:20
He did not leave that important task to his children, neither to his friends or relatives. He did it himself, and in good time.
If your vision is to cushion your life in bad times, there are many secure financial cushions that will help your family alleviate that cost. But you need the knowledge.
A faster way to do that is to have professionals like us to guide you through the puzzle of financial services and work out a perfect solution for you. Do not rely fully on TV adverts or so called online quotations. Let professionals do the work for you.