Gosh, life insurance is difficult. But when you have a family, you need to have it. I can't imagine putting my family through major hardship if I had to go tomorrow. But there are so many kinds. And I have different types. One that has a return of premium life insurance. Basically, I pay into it...and if nothing happens, by a certain age, I get all my premiums back. I think it's like a forced savings account. And that's ok. I don't want to actually ever have to use it as it would mean I wasn't here!
Obviously, each family must consider their own unique situation and determine what is right for them.
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