A feature on BBC News caught my eye at the end of last year. It was the story of Tim Wotton, a 43-year-old man suffering from cystic fibrosis who had been told by doctors he would not live beyond the age of 17.
This life-threatening condition affects over 10,000 people in the UK and typically requires treatment for up to three hours a day.
But far from letting his situation bring him down, Tim lives each day to the full, taking every opportunity to spend time with family and friends.
His passion and enthusiasm for life are truly inspiring, particularly because he notices and experiences each moment to the maximum, as if it is his last.
In contrast, many healthy individuals seem to spend a lot of their time not fully awake, as if unaware that their life is finite. It can take a health scare or the death of someone close to remind them they are not invincible and should make the most of every day.
If more people bore this in mind, including making provisions for dependents, they would probably get greater enjoyment out of life.
After all, it is those little things that are special; spending time with the children and watching them grow up, laughing with friends or noticing a beautiful landscape.
Sure, most of us have to work hard for a living but moments of free time are really precious.
What is more, consumers who take out protection for their families in case the worst should happen will be able to really enjoy the time they have with them, knowing they will be looked after.