In reality we should all have life insurance.  Since circumstances can change in the blink of an eye without any prior warning. If you are not prepared for these events then you run the risk of putting your family in harms way.  Unless you have a savings account with enough money to take care of your family right now, then you need to look at getting an Online Whole Life Insurance Quote.  It is free and usually takes a few minutes to give you quotes.  Preparing and planning is always a good thing to do when it comes to your death or your spouses death.  Although this is an awful topic, it might be one of the most important.