Q I’m 28 and a single mom of an active two-year-old daughter. I’m in good health, don’t smoke or take drugs, but a friend told me I should get life insurance to protect my little one. I applied for a policy and got it, but I didn’t have a good experience. The insurance company said I’m unhealthy because I weigh too much, and charged me more than other people my age. That’s discrimination and body-shaming — I don’t think they can do that. What can I do and is it too late to fix this?

A I concur with your friend’s suggestion. Life insurance is the most efficient way to cover the risk — albeit, a small one — that if you die prematurely, there will be sufficient financial resources for your child’s guardian to take care of her.