<prompt> Human: Hi allI received a letter from my insurance company offering an additional 25k of coverage for only 2.14 a month. The catch? I have to die by accident before April 1, 2044. So approximately 27 years change works out to about a 700 investment for a 25,000 return. Not bad assuming I actually die by accident, but then I reap no benefit from it.Im of the opinion that I would be better off putting that extra 700 towards my mortgage but the pay off would realistically only be a few dollars saved in interest.For the sake of discussion, what are some investment ideas that would make good use of 700 over, lets say 25 years, that I would benefit from and wouldnt inspire my family to plot against me.  <response>: If you have a loved one that would really need that extra 25k e.g., youre the breadwinner and you have a big mortgage payment then increasing it is not a bad idea. If you already have plenty of coverage for whatever your loved ones might need, then dont increase it. 