Knocked off one of the items on my (admittedly) long list of New Year's resolutions last week.

At the ripe old age of 40, I finally broke down and signed up for voluntary life insurance. Irresponsible, I know. It's nothing more than a simple term policy, but it's a start, albeit a late one, into some grown up financial planning for this new dad.

But thing is, all we got here at work was an e-mail warning us the enrollment deadline was yesterday. No professional sales pitch from a broker, no maternal coaxing from human resources and certainly no stern advice from upper management.

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