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Second to DIe Life Insurance
With a second-to-die life insurance policy your beneficiaries can pay debts with the proceeds of your policy, so they won't be forced to sell your house or liquidate assets to pay the bill.
Pay as You Go car insurance?
You are not using your car very much so why are you paying high premiums? With a pay as you drive auto insurance premiums you would be able to quite literally pay as you go.
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