GREAT - I just heaved a big ol' sigh of relief for you!! and now I can sleep tonight as well.
You said:
"I've already paid the term policy's for the next year and we're budgeting them into our monthly budget so we can pay them in full next year also
"
Good - You're REALLY catching on!! Ta-da!!! It's happening...pretty soon you'll be sitting on the sunny side of the street!