I'm in the process of getting a new life insurance policy for DH and I. What a pain in the azz. And none of you are listed as beneficiaries so don't even think about it.
I live in Alaska, we don't like rules, We have HOA's, for those freaks who move here from somewhere else and then want here to be like somewhere else, fortunately, they are afraid of my neck of the woods. Something about actual woods, no paved bike path and random bears on the loose.