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Conseco set me up with some insurance thru the Assurant group only I didnt realize it was accidental insurance which one of us my brother or I would have to be hit by a bus, well yesterday my brother died and the insurance isnt worth the paper it is written on because I still have to make payments. Is there some kind of insurance- reasonable that can help eliminate this problem if something happens to me so my daughter wont be left homeless and up to eye balls in bills when I pass away? HELP