Unreliable

I buried yet another uncle, my brother's Sister with the that I can rely on them. This is my second disappointment. I can't deal with this any more. The embarrassment of borrowing money from family and friends to cover the costs and promising people I will pay soon. Looking unprepared and irresponsible is not a nice feeling. Imagine dealing with this when I loose my spouse. Never I refuse. I'm changing my insurer. Dealing with this twice clearly shows I'm dealing with a serious issue. Unreliable insure.