That is what insurance is for, the unforeseen instances in your life. You may pay out what appears to be a significant sum, but what if something happens to you? Life insurance should be something people think about.

1. Student loans: There was a story floating around of how a family co-signed on loans for a child and then were on the hook for said child when they passed away.

2. Family: If you have a kid, get life insurance. You should have the ability to leave the living with a sum of money to ease the burden of your absence. This means the loss of income and life adjusting to a one-parent family, not meaning that there is a pile of money to blow.

Do not say it is not affordable, grab a term policy that gets you to 65 and then be comfortable knowing that you have one less thing to think about.

For those who claim it is too expensive, a million dollar , 30 year term-policy for non-smokers is as follows:

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| Age | Sex | Monthly Cost |

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| 25 | Male | $55 |

| 35 | Male | $66 |

| 45 | Male | $160 |

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| 25 | Female | $45 |

| 35 | Female | $55 |

| 45 | Female | $120 |

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I am using this as a public service announcement, get life insurance.