Insurance
If you are looking at an accident policy make sure it is one that you get your money back after a period of time.
Like $100,000 accident, increases $5000 per year, for 20 years, cost 22.75 per month, issue ages 18-60, guarantee issue, all your premium payments returned at the end of 20 years. Good for almost all occupations.
It's like having free insurance.
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