 I realized how important life insurance is. We weren't covered, so I went to selectquote.com, and in minutes, we had quotes from multiple carriers. Then, an experienced licensed insurance agent helped us find the right coverage for our budget. I'm 40, and my $500,000 policy was only $16 a month. My husband's also 40, and his $500,000 policy was only $18 a month, and with their same-day coverage. There was no medical exam required, and we were covered by the time we hung up. The holidays were for family, but the new year, it's for protecting them.