You need to remember to be smart about protecting your family and its finances in the event of your untimely death. It’s a very real subject, but one that people don’t like to think or talk about. The good news is that the cost of insuring your life is dropping like a rock. Clark speculated a while back that the change in actuarial tables was going to lead to lower insurance prices. The tables estimate how long people are likely to live, and the numbers are going up. So, prices are going down. The Boston Globe reports that, depending on your age and circumstances, insurance prices are dropping 15 to 50 percent for term insurance. This is the kind Clark likes you to get because it is simple and pays a healthy death benefit to your survivors. It’s very easy to buy, too. And prices have dropped so much that you may want to consider renegotiating your contract. Not every company has cut costs, but it’s a good idea to shop around for the lowest cost A++ rated company. Also, Kiplinger magazine recently rated term life insurance policies that pay you very handsomely if you live past the maturity date. It’s a new kind of term life policies that cost you more throughout the years, but if you live through the term you are rewarded. Kiplinger said the average rate of return is 6.4 percent. But Clark is still a fan of the simple term life policies.