Have adequate insurance

For the past 25 years, I have the following insurance:

$1,000,000 in personal accident cover
$500,000 in term insurance cover

Each year, I paid $800 for the personal accident insurance and $1,000 for the term insurance.

Nothing happened to me for 25 years. That's good. I do not expect to get the premium back.

I am glad that I paid the premium for the 25 years, as it provided security for my family. If something did happen, my family would have been well taken care of.