I just signed my 2 grandchildren up for one and your right it was sickening but then I thought how much more sick I would feel about it if something did happen to one of my precious angels and I had to skimp on them when I said goodbye. So I went ahead and signed on the dotted line. It isn't much and I wouldn't want any proceeds from it, but it's enough that I could spend it all on them and not feel bad or have regrets about having to do it as cheap as possible.