We insure our homes, our cars, our health, etc, but why are so many of us willing to take a gamble – with our life?  How many people around you would be devastated financially without you?  Insurance is so affordable.  The saddest moments for me – and it happens all too often – is when a man or woman comes to me and says “I just got the bad news.  And I need Life Insurance.”   And by that point – it’s too late.  You can’t go get Home Insurance after your house has already caught fire.  It’s your life.  Your choice.