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I use mostly yahoo.ca and gmail.com (.ca because yahoo.com stopped allowing free pop3 access to download your email to your own client unless you paid). I also use multiple email addresses, such as one for just my main bills, one for forums, one for places where you need an email but you just know will end up sending you spam that can't be avoided, personal emails, etc. Download them all into Thunderbird or your email client of choice. I personally hate logging into web-based emails and will never do it.
Don't forget too that if you pay any ISP for your home internet, you get between 5-10 free email accounts with it, as well as some free webhosting space. You just have to log in and set them up. I always used my ISP's email before and split up my various emails in it the same way, but when I finally changed ISPs, even if it's only once every 8 years, it's a pain having to change over all your emails. So that's the only reason I'm now using Yahoo and Gmail, and my ISP email is only for notices from the ISP.
The only way I can see losing any of the free email services is if you don't use them for more than 90 days (some will auto-delete inactive accounts); and the biggest reason is because you do not have a secure password for the email account and someone has hacked it. Stop using simple words for passwords, don't log in through public wi-fi spots, and you shouldn't have any problems, none of them require a cell phone even if they suggest it. Use a good password manager where you no longer have to remember each password and you can use different random generated passwords everywhere which is the safest. I highly recommend LastPass, I've used it for the last 4-5 years at least.
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