Most of us don't question the need for fluffier types of insurance – pet, car, home. But when it comes to the kind that's arguably more important, but way harder to think about, we'll put it off til it's often too late. So how do you make the heavier insurances like Funeral, Life and Income Protection more appealing? With the help of a middle-aged tortoise called Gary, who's birthday party is a reminder for all of us to start getting comfortable with the uncomfortable.