When people are young and healthy, they can live for the now, enjoying life as it comes, thinking only of tomorrow when it’s unavoidable. This is the mayfly time when the young and beautiful fly free of responsibility. Sadly, this time is all too short. Gravity soon catches up with people and they fall back down to the ground and see new roles developing as parents. Suddenly, health matters and what was put off must now be considered. So most people go online, use one of the search engines and find the cheapest policy going. That will do. It’s a policy. It will do the job. Then the...