So I’m trying to get life insurance. Just 20-year level term life insurance. It’s supposed to be cheap and easy to get. Some of the big dogs won’t do online quotes, New York Life in particular. So I agreed to meet with a local agent yesterday morning and let him talk at me over coffee. Yes, coffee, which I don’t go for often. Luckily, it was at Panera Bread, so the coffee was pretty good, although a little aged. We go through the usual rigmarole of “Oh, you used to be a teacher? So did I!” After the meeting, I think I knew pretty well why he ultimately left teaching,…