My first experience with Life insurance was a USD$46,155 policy I bought from my father in 2001 when he was a Guardian Life Agent back in Trinidad. I did it only because he needed the business, and I felt guilty that I was living abroad with no spouse or offspring to take care of the funeral and shipping (of my remains back home) expenses if I should expire before my parents did. Yes! That is exactly how dear old Dad sold me on Life Insurance! The suggestion came inside of a nice postcard …there is nothing like an insurance agent I tell you!