<prompt> Human: My future wife bought critical illness insurance shortly after a friend of hers died of cancer. Its been costing her 600 a month for the past year and Ive recently gotten a job in another country. This may require her to not work since she wont have a visa and I dont really want to pay into this ridiculously expensive bill monthly when I support her. From what I hear, if she lives until 65 or something, she will receive 100 percent of the money back as long as she keeps paying. If she cancels now which Im thinking of doing, she will lose what shes paid into it.What should I do? 600 a month is going to be like 15 percent of my monthly take home income... We are currently relatively healthy and in our mid 30s.Thanks!Assistant: What is your wifes family history of critical illness?Human: Her grandma died of cancer at 80ish which wouldnt be covered anyways... If you live past 65 I think you just get your money back.  <response>: I would get rid of it. Thats a lot of money a month for something that seems unlikely.My husband and I have cancer insurance, but thats only because it costs 25 a month through his work and Ive had 3 different kinds of cancer. At this point, it seems like a good bet. And worst-case scenario, I dont get cancer and we lose 300 a year. But I wouldnt spend 600 a month on it. 