In other unrelated bank business, the other day I went to set up an appointment to deal with my (now dead) father's accounts, which someone needs to be able to get to to pay off things like the remaining nursing home bill. As I was describing the situation (pretty simple and not anything that will need to go through probate, knock on wood) the manager guy I was talking to asked if my father had life insurance.
I said no, I didn't think so.
He made a face.
I asked Why? since I thought maybe that would complicate things (though I don't see how it should, given it's nothing to do with the bank-related part of his assets). No, he said, but it pained him to see someone die without life insurance, then explained that he used to work in insurance.
I was puzzled by this.
Walking out I realized it never even occurred to me that my father would have taken out a life insurance policy. After all, what is life insurance? It's something you pay money for that will only benefit your family. You know, people that aren't you. Or in my father's case, not him. Why on Earth would he ever spend money on something like that?