Insurance is a funny thing. You learn all you can, shop diligently, scrape together the money to pay for it, and then hope you’ll never have to use it. In addition to health and automobile coverage, most people insure their lives so that in the event of their death, those who depend on their income will not be left high and dry. Term life insurance, the insurance of choice for all us cheapskates, is relatively cheap because so many people pay for it who never use it. The insurance companies invest all of those premiums, make an obscene fortune doing so, and end up paying out far less than they take in. Face it, folks: These days, with medical technology what it is, the odds increase every day that a disease or accident that would have killed you a decade ago will now leave you disabled—alive but unable to work. …