Insurance is a must for every family, especially if there are children. We don’t like to think about the unexpected loss of a family member due to an accident, but things like that happen. We have some friends who experienced this very thing. The husband was killed instantly at work by a heavy piece of machinery. If he hadn’t had life insurance, his family would be having a really hard time right now. But thanks to his foresight and planning, his family is taken care of and doesn’t lack anything. If you don’t have family insurance, check into it and see what would work for you.