If you’re married, do you have life insurance? How much? Most of us think of insurance as a necessary evil. Home insurance, auto insurance, health insurance, and so on. Many working individuals have life insurance through their employer, which is perfect if they pass away while employed? What happens after 65 when the life insurance offered through employment doesn’t continue? Most people don’t think about this. Then a spouse dies and the surviving spouse is wondering how they will pay the bills without the spouse’s income or how they will even afford to bury or cremate the spouse. This is where life insurance becomes important. Sure, it’s just one more monthly, quarterly or annual expense, but it’s certain to pay off. After all, we all have a 100% probability of dying. Don’t think it’s not possible.