About the first part. I feel guilty is all. If i reflect on it I am not a good daughter either. I used to be very moody. I say means things to my family all the time. So I guess I feel i should be grateful to them because they atleast have given me other comforts. For whatever reasons, my mother chose to stay with him, it lead me to getting a good job and education, so i feel bad for expecting more.  And also, i used to be weird even before my father lost his job. I hated my background. I felt like i did not belong with my peers. I felt less than because of how my family conducted themselves but the primary reason was i was tagged a nerd and hated that. I used to show all of that on my parents. And as i grew up and saw all the wrong things they did/were doing i just could not see things from their side. I feel bad for putting them down.

Life insurance – it is a good investment – tax benefit and more importantly on maturity i get good interest on the total insured sum. My mom has no real benefit unless i die and she gets a sum equivalent to my annual salary. But i chose her as a nominee and for another one i chose my sister. My mom said she wanted me to have some kind of an insurance because for my dad we got a good amount for the insurances after they matured. She also wanted me to ensure i get some tax benefits. We are all just nervous about money.