Indeed there are. I pay high premium to alternatives, which has monthly cancel options. Some of these cost me > ~35-40% long-term, but it reassuring that, if I

Indeed there are. I pay high premium to alternatives, which has monthly cancel options. Some of these cost me > ~35-40% long-term, but it reassuring that, if I am suddenly in misfortune or tight spots, I could rapidly rid myself of some luxuries in a blink. :)