I'm getting a headache. But now . . . it's Miller Time! (So to speak)
Tammy Daybell's life insurance policy that was to be increased was "term life," if I am not mistaken. Why, with all of the children (except one) out of the house and on their own, would it be necessary to increase her life insurance at that point? She was close to retirement. If she were to die, sure, Chad may have had to get off his lily pad and get a real job -- but no children would be neglected or go hungry with the loss of Tammy and her income brought on by her death. No nannies, or housekeepers would have to be hired at added expense -- without the benefit of Tammy's income -- to take care of any children.