How many people put off life insurance until it is too late? People have mixed feelings about life insurance, its a waste of money, term -vs- whole life, I have no need for it, etc...

I am guilty for putting life insurance off myself until I realized what and why life insurance is there to help protect the ones we love. Life insurance to me is a peace of mind knowing that my loved ones will be able to go on living when I am gone.

How many people out there have extra money laying around to pay for someones final expenses? I know I sure don't, so how would you feel if someone close to you past away with out having any life insurance and you were left with the bill? I bet you wouldn't be too happy knowing that you will now have to come up with a few thousand dollars to lay them to rest.

I was talking to someone the other day who happened to be in this exact situation. She was 32 at the time and her husband was only 35 when he died of a massive heart attack right in the middle of ther living room. Unfortunately for her, he did not have any life insurance at the time and his family didn't have any money to help with the final expenses. After his death, she drained there bank account to pay for all the funeral expenses, had to get a part-time job to try and make ends meet. She ended up losing there house and having to move into an apartment.

Life insurance is something that we all tend to keep putting off, thinking that we are in good health and nothing bad could possibly happen to us...

I want to hear your thoughts and opinion on this topic.