Related: I love my employer, I really do. But just in case I was ever thinking of leaving that happy home for either another company or to become independent, I think about what would happen to the health insurance costs, as well as the employee life insurance policy they provide.

Having non-transferable life insurance and health insurance (or prohibitively expensive) COBRAs is, I think, an enormous drag on both citizens AND companies, as well as terrifically frightening in downturns like this one.

Along time ago, I was told to get term life right after college when the rates would be real low, and before they got wind of dangerous activities like learning to fly or scuba diving. That’s not a panacea, because many term life policies are for a fixed period like 20 years or so, and because insurance needs change over time. Single people don’t need a lot. Married couples a bit more. Parents need much more.

Anyway, Boss, in case you’re reading, I’d never go anywhere anyway. Love it there! Seriously, I dig the holes in the carpet and the plaster peeling off the walls and of course the beatings.