The separate lump sum life insurance is brilliant. Assuming all goes well, it will be a nice initial boost to handle one off 'start of new setup' expenses and e

The separate lump sum life insurance is brilliant. Assuming all goes well, it will be a nice initial boost to handle one off 'start of new setup' expenses and ensure a buffer of savings beyond the monthly stipend. Worst case, it can be stretched and used for critical things instead of safety and comfort.