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Life insurance is an emotional thing.  At the end of the day, it’s not about the cost of the premiums.  It’s what the premiums get you in return.  Protection for your family.  Food stays on the table.  The lights stay on in the house.  Your family keeps their house.  The kids can stay in their schools and be with their friends. You don’t have to move in with family members and be a burden.  Your family can keep their belongings, and not sell everything at a garage sale to help pay the bills.  Your spouse keeps their car.  Your spouse doesn’t have to get a second job to pay the bills.  Your teenage kids don’t have to give their paycheck from bagging groceries to their single parent to help pay the bills.  Peace of mind.  Peace of mind that even if you’re not here, your family can maintain their lifestyle and not have to make any big changes to survive.  It’s not expensive.  It’s pretty cheap, actually, when you compare it to these things.  All of these things are priceless.